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Adjusters don’t spend too many sleepless nights wrestling with how much a popular television set costs or what the replacement value for an MP3 players might be, but specialty claims items are another story altogether. If you don’t look hard enough or in the right places, you could end up overpaying a claim by a significant amount. A limited edition sculpture by Lalique, a world-renowned crystal sculpture and glassware designer, provided such a challenge to our intrepid adjuster in this installment of Contents Claims Solved.

The Lalique piece in question — a crystal figurine sculpture of two kneeling angels — had a small chip. The insured claimed the item as a total loss and presented a letter from a Lalique manager stating that the retail replacement price of the piece was $70,000.

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With a replacement cost policy in force, the adjuster could have left it at that and paid full retail price, but instead decided that such a valuable and unique item warranted a deeper investigation for both claim and salvage purposes. The adjuster worked with a specialist contents claims firm to help determine whether or not the sculpture could be repaired instead of paying the full replacement cost.

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