In most cases, you can replace those items and close the file in less time than it takes to pay the Actual Cash Value and wait for the insured to replace the items on their own.

At JRS we take our responsibilities sincerely. Once we receive the necessary information on the claim, we will contact the insured to discuss each item. We will then research replacement and return the descriptions and prices to you.

There are many factors contributing to the overall accuracy of a replacement. By personally contacting the insured, and getting an exact description of the jewelry lost, we can insure that the items quoted to replace the loss will be like kind and quality. This is especially important in cases where the appraisal has minimal, or questionable or nonexistent descriptions.