I Want My D**n Jewelry Back, Although I Doubt It's Gonna Happen...
 

Okay, I'll attempt to make this story as short as I can without leaving out any important information. It's kind of boring, but here it is:

Last week, a plumber came by my house and when he left two diamond rings left with him. Within 20 minutes of him leaving my house, I had filed a police report.

Later that day, I had a voicemail from the plumbing company's secretary asking me to call back. I assumed it had to do with the rings, but when I called she asked me if I could repeat the number of the Visa card I had used for the plumbing work because the plumber must have transposed some numbers as it wouldn't go through. "Well," I said, "I didn't use a credit card. I paid $380 in cash." The secretary sounded puzzled, thanked me, and we hung up.

Next morning, the owner of the company called me and he asked me again about the transaction and I told him the same thing, that I'd paid in cash, I had a copy of the receipt and there were no credit card numbers written on it. Apparently, this guy pocketed the cash and tried to tell the company I'd used a credit card.

The owner then went on to explain how, after leaving my house, the plumber called in and said he hurt his back and wouldn't be back to work that day. The owner hadn't been able to get in touch with the plumber after that initial phone call, and the plumber still had the company's truck, full of equipment.

I then asked the owner if he had been contacted by the police. He said he hadn't so I gave him the heads up about what had happened with my rings. He said he was sorry it had happened, it was so hard to get good help, the plumber had only been there three weeks, yada, yada, yada.

I asked the owner if he had insurance and he said he did.

Okay, now it's a week and a half later and I am unable to get in touch with the owner of the plumbing company. Should I keep trying? Should I just file a claim through my homeowner's policy? The rings are actually pretty valuable so it would most likely raise my premium.

One one hand, I feel sorry for the guy because it really isn't his fault that he had a thief working for him. But, on the other hand, he sent someone into my house that stole from me and so I think it is his responsibility to make it right.

Aaack! What do I do?

Yikes, that's a tough one. I would probably go ahead and file with your homeowner's policy and let them worry about getting the money from the plumbing company's insurer. I didn't do all that well in insurance law, but I *think* they can do that, and my gut instinct is that your premium shouldn't go up, since it wasn't your fault. Isn't that how it works with auto insurance? Like, if somebody hits you and runs, I think your premium is not supposed to go up because it's not an "at-fault" accident.

Oh, wow. I'm sorry your rings were stolen. I don't know about the kind of coverage you have for homeowners, but I know with mine, when I make a claim, the premiums don't go up like my auto does if I have a ticket or accident. They especially shouldn't since it's not your fault (like leaving your front door wide open with a neon pointing light that says "valuables here".)
I'd keep up trying to contact the company. If you can't get them, contact the Better Business Bureau and see if they can help. Since the smarmy guy was employed by them, they should have to foot the bill for the rings. I still hope you get them back. I had a neckalce stolen by a painter once and even though I got paid for it through the company's insurance, I still wanted my bauble back. It was sentimental.

It's the plumber, I've come to rip you off!
 

Tracy - go after the owner with everything you have. It's his fault he hired a sketchy mono like this. Don't they have to be bonded or something to enter people's homes?

He owes you, period. You should NOT have to pay in ANY way (including higher premiums) for this.

TOTAL COSIGN. I work for a plumbing company (new construction, however, not service), and good insurance is required, so go after his insurance.

Although I do have to agree with the owner that plumbers who aren't dumbasses are like finding a needle in a haystack.

Don't file a claim with your insurance. There's always that chance that they won't contact the owner's insurance company. The owner hired the guy and most likely did not do a background check. The owner is at fault.

Tracy, I would check and see if the Plumbing Co. is Bonded.That means they are insured through a Bonding Agency.

Do you have a copy of the Police Report?

The BBB can be like peeing up a rope, they sound good, but (?)!

Keep on the Police's butts about it if it is a significant amount for the jewelry.

Good luck!

Besides the BBB, you could also contact your states AG's office and see if they have anything on this company.

I would just use a "shot-gun" approch to this and contact everyone. Even local media...perhaps.....

Good Idea!!!
Most TV Stations have a report getting screwed site on their webs.

Can really put a hurt on people!

Tell everyone you know about the Company too!

Start calling around to the area pawn shops IMMEDIATELY. They have to show an ID when they sell something. Describe your rings. You would be surprised on how cooperative they will be.

I recovered a tennis bracelet that was given to me by my boyfriend and stolen by my roommate this way.

One more thing...if you file a claim against your Homeowners, they will use it against you later if you have something more significant. Most of the time jewelry is a separate peril and the max a standard policy will cover (without SPECIFICALLY covering jewelry) is only $1,000.

Yup, I learned this the hard way.

Also, record any conversations you have with the company...worry about if it's legal or not later.

So do not have to worry about taping!

If one side knows then it is clear sailing.

Good Idea on Pawn Shops.

Sounds like the scum sucker would head there first!:mad:

This is a very good tip--I know people who've had to do this, and some of the stolen stuff was actually recovered.

And also what 33girl said--I think the owner is responsible, too. All that crap about how "it's hard to find good help" might be true, but it still doesn't change the fact that he's the one who hired this thief and it all comes back on him. Don't let him try to weasel out of it. After all, I was brought up to appreciate jewelry (my mother's words: "You can never go wrong with fine jewelry") and this is damn important. ;)

We just recently moved to Boston and I am so anal about being home whenever we have service people coming in. I always make sure I'm close by so they can't take anything.

I'm sorry your rings got taken, that's terrible that you have to be so untrusting anymore....