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Investigating jewelers block claims. The insured will normally be asked to identify the date and amount of their last full physical inventory in the application. This is often crucial information in determining the amount of a loss. (Photo: Piman Khrutmuang/Adobe Stock)

One of the more interesting areas of claims handling involves jewelers block claims. Jewelers block coverage protects a number of assets including jewelry and the precious or semi-precious stones in the jewels and even some precious metals and other high-value items.

Unlike many first-party policies, the jewelers block policy almost always incorporates a lengthy application, and the answers in the application normally become a warranty when the policy is issued.

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