Safeco wants receipts for everything stolen in our break-in, including stuff we bought 10+ years ago. what actually counts as proof of ownership?
came home from a long weekend at my sisters place to find our back slider pried open and the house tossed. police report filed same night. they took my wifes jewelry box (her grandmothers ring, a tennis bracelet, misc gold pieces), my macbook pro, an ipad, my sons xbox series x, a dewalt tool set from the garage, and weirdly a pillowcase full of random stuff from our bedroom which apparently is the classic move.
filed with Safeco the next morning. adjuster seems decent so far but sent over a "contents inventory" spreadsheet and a letter asking for receipts, serial numbers, or "other proof of ownership" for every item claimed. the electronics i can mostly handle, i found the macbook receipt in my email and the xbox was a christmas order in my amazon history. but the jewelry is where im stuck. her grandmothers ring was inherited in like 2009. the bracelet was an anniversary gift i bought with cash at a local jeweler that has since closed. we never got any of it appraised because honestly it never occurred to us.
total claim is going to land somewhere around $14k and probably $8k of that is jewelry with zero paperwork. so my questions:
1) what does an adjuster actually accept as proof of ownership when there are no receipts? do photos of my wife wearing the jewelry at weddings count for anything?
2) does the jewelry get hit by a special limit? i think i saw something about a $1,500 cap for theft of jewelry in our policy docs and im now sweating.
3) is it worth getting a jeweler to write some kind of retroactive appraisal based on photos, or does that look shady?
first theft claim ever and i dont want to torpedo it by guessing wrong on the documentation. any experience appreciated.
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