I accidentally dropped my Wedding Ring in the toilet while it was flushing... We took the whole toilet apart and it is gone.. We didn't have it insured? Does anyone know what I can do? It was a very expensive ring and it meant alot to me, does anyone know if Home Owners Insurance will pay for it or help in any way... I am so stressed over this I broke out in Hives.. So I would appreciate everyones advice.. Thank You
2007-06-18 12:18:58 · 12 answers · asked by Anonymous in Family & Relationships ➔ Weddings
That's a toughie. Call a plumber asap and see if he can find it. If you have a septic tank, it will be in there, it will just be very difficult (and nasty) to find. Home Owners Insurance should at least help pay for it, if not completely cover it depending on your insurance.
2007-06-18 12:22:44 · answer #1 · answered by RHL592 2 · 0⤊ 2⤋
You've gotten so many different answers, mostly from people who don't have a clue what they're talking about, that's it's almost ridiculous to answer at this point, but I hope I can help.
Homeowner's insurance does cover theft, damage, and loss of personal property, but coverage is usually limited as far as jewelry applies--if you own expensive jewelry, you are supposed to let your insurance company know and they will then add what is called a "Rider" to your policy to provide special coverage for the item(s) at additional cost. The word "expensive" means different things to different people. To some people, $500 is expensive, to people like Paris Hilton, $5 million dollars probably isn't, so without knowing what you mean, and what your policy coverage and limits are, it's hard to say if the insurance company will cover it without a Rider or not. Call you agent. They will automatically suspect it is fraud and it will be investigated, but if it is a legitimate story, you should be reimbursed. My daughter-in-law is a fraud investigator for an insurance company, so I can guarantee you that you will be investigated. This is standard procedure in a case like this. But go for it. That's why you pay insurance.
2007-06-18 19:50:04 · answer #2 · answered by kk 4 · 0⤊ 0⤋
Get another set of wedding rings from Wal Mart and spend maybe $200 for both of them. The cheap ones from Wal Mart last just as long or longer, and no one knows the difference anyway, and they'll mean just as much.
Seems to me homeowners insurance only covers things beyond the owners control.
2007-06-18 19:28:18 · answer #3 · answered by Anonymous · 0⤊ 1⤋
home owners insurance onyl protects you agains floods, fire, natural disaster etc. Soory- not much you can do than get another wedding ring. Sounds funny to me- never heard this happen to people. DId you lean you hand in there and it happend to flush down?? last time i checked the toilet fush handle is on the side of the toilet not on top or in the front in middle.
2007-06-18 19:23:21 · answer #4 · answered by Anonymous · 0⤊ 1⤋
You can try homeowners or you can try to call a plumber and have him take the pipes apart to see if it is caught in one of the U-bends. Usually homeowners won't cover it though.
Previous poster is right about the septic system but that's alot of poo to sift through. *shudder* In the meantime don't flush the toilet or run any water down sinks, shower drains, etc.
2007-06-18 19:27:20 · answer #5 · answered by pspoptart 6 · 0⤊ 1⤋
If you had done something right away, there were possibilities for retrieving it, but now it's too late. Contact your insurance company, and see how much it can be covered for - though don't be disappointed if it isn't at all, or not much. You should have had additional insurance, though.... so sorry....
2007-06-19 10:44:56 · answer #6 · answered by Lydia 7 · 0⤊ 0⤋
Check with your insurance agent, then read your policy, you might be covered, but they hate to pay so be prepared to fight for it. I hope you either have a receipt or a estimate for replacement, or at least a picture of you wearing it.
Having a jewelry rider also helps.
2007-06-18 19:23:52 · answer #7 · answered by justa 7 · 1⤊ 0⤋
oh so sorry to hear tha!!!! try to get another one that's all, because u might not get or will not get back the ring. Maybe you can go back to place where the ring was bought and explained what had happened and see if they will help in any way at all. Try that method and see if it work out
2007-06-18 19:30:18 · answer #8 · answered by Carla M 2 · 0⤊ 1⤋
The only thing i think you can do is to contact your homeowners insurance co. and ask them if it's included....it very well may be. BUT possibly only if you added it to the policy. that's the only catch. The only reason I know this is because my fiance and I have discussed this with our renter's insurance, and I think they would be the same.
2007-06-18 19:24:07 · answer #9 · answered by chloe1995 3 · 1⤊ 0⤋
Call the plumber. I haven't heard this before but I have heard about dropping rings down the sink.
I WISH YOU LUCK!!
2007-06-18 19:31:30 · answer #10 · answered by CAT 2 · 0⤊ 1⤋