Most insurance companies replace items at the lowest cost possible, and not at the dollar amount the item appraises for. It is standard practice for an agency to replace your stone/item with one of their choosing. This methodology could sacrifice the quality and integrity of your stone/item.
We advise our customers to elicit their cash option during replacement claims. This approach means that you’ll speak with a professional jeweler face-to-face, and you can rest assured that the quality and integrity of your replaced stone/item will still meet both GIA and Brinker’s Jewelers standards.
We never over-appraise our selection of jewelry. This isn’t fair to our customers, who would in turn overpay on insurance premiums to protect a piece appraised at a much higher rate than it truly costs to replace. Integrity is everything, and we will not do anything to jeopardize ours.