Artwork and sculpture claims work similarly to jewelry theft claims. Since these items are considered to be “unique” by most, it is important to have discussed their value with your insurance provider prior to the purchase of an insurance policy, as the artwork and sculptures will likely far exceed the personal property damage settlement on a typical homeowner’s policy. When doing this, a professional appraiser’s documentation and opinion is necessary, as this gives both parties a complete understanding of the art’s value.
When filing a damage or theft claim, proper documentation of the artwork is the most vital information. This includes photographs of the items prior to their damage or theft, along with physical descriptions. This is where a professional appraiser’s documentation is necessary as well. Proper protection of the items must be proven, too. This includes evidence that theft or damage was unavoidable, despite your steps taken to prevent it. From here, a Public Adjuster can help interpret your insurance policy and deal with your provider. These are the necessary steps to ensuring you receive proper compensation for your artwork and sculptures. To save yourself time and increase the payout of your artwork or sculpture damage / theft claim, call us today for our professional Public Adjuster’s assistance.