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Sill Public Adjusters helped Tovon & Co. Diamonds recover millions after a devastating disaster, when their initial insurance offer was dramatically insufficient.
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Our specialized team turned a nearly impossible recovery into a success story, leveraging decades of experience to maximize the settlement for a high-value jewelry business.
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Professional public adjusters are essential—without expert help, businesses may receive far less than their policy provides.
Turning Catastrophe Into Recovery for a Premier Pennsylvania Jeweler
When disaster struck Tovon & Co. Diamonds—one of Pennsylvania’s premier jewelry establishments—owner Tommy Vanscoy faced the unthinkable. A catastrophic tornado tore through the region, devastating their Wilkes-Barre location, destroying the building, and leaving precious inventory exposed and damaged. The immediate aftermath forced the business to relocate back to its roots in Dallas, Pennsylvania, creating even more disruption and stress.
The challenges didn’t end with the physical damage. Tovon & Co. was soon confronted with an insurance process that felt stacked against them. The insurer’s initial settlement offer fell dramatically short of what was needed to rebuild and recover. With complex documentation, valuation disputes, and unique risks tied to the jewelry business, the path forward was daunting.
Unique Risks and Challenges for Pennsylvania Jewelry Businesses
Jewelry retailers like Tovon & Co. face unique challenges in insurance claims:
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Extraordinary value-to-size inventory: A small showcase can hold merchandise worth hundreds of thousands of dollars.
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Complex coverage needs: Standard policies often cap jewelry claims, making specialized insurance and documentation essential.
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Emotional and operational stress: Custom pieces and entrusted items increase liability and documentation burdens, especially after a disaster.
After the tornado, Tovon & Co. needed to document extensive losses and prove the true value of their inventory—tasks that are both highly technical and time-consuming. Add to this the need to navigate policy limits, high deductibles, and the pressure from insurers to settle quickly for less, and the stakes for recovery could not have been higher.
The Turning Point: Partnering With Sill Public Adjusters
Recognizing the complexity of their claim and the high stakes involved, Tovon & Co. Diamonds called Sill Public Adjusters—Pennsylvania’s trusted public adjusting firm for over 90 years. Sill’s team of specialized experts sprang into action:
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Comprehensive policy analysis to identify all coverage opportunities and prevent overlooked losses.
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Meticulous documentation of every damaged jewelry item and property loss, with precise valuation and supporting evidence.
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Hands-on communication and negotiation with the insurer, shielding Tovon & Co. from pressure tactics and lowball offers.
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Expert appraisal and business interruption support to ensure lost revenue and unique merchandise were properly valued.
Results: Millions Recovered—Business Rebuilt in Dallas, PA
Thanks to Sill’s advocacy, Tovon & Co. Diamonds received a final settlement nearly three times higher than the insurance company’s original offer. This enabled:
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Full rebuilding of the business at its Dallas, Pennsylvania, home
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Proper replacement of high-value inventory and custom pieces
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Operational continuity, even during peak jewelry season
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Peace of mind for ownership, knowing nothing was left on the table
Why Dallas, PA Businesses Choose Professional Public Adjusters
The Tovon & Co. Diamonds success story is a powerful example for all Pennsylvania business owners: in the face of disaster, professional public adjusters are not a luxury—they’re essential. The difference between an insurer’s initial offer and the true value of your policy can mean the difference between closure and complete recovery.
Secure Your Future With Expert Insurance Advocacy
Disaster can strike when you least expect it. Tovon & Co. Diamonds’ recovery shows that with expert help, even the most overwhelming setbacks can become stories of renewal and resilience. For businesses in Dallas, Pennsylvania, and beyond, Sill Public Adjusters stand ready to protect what you’ve built and help you recover every dollar you deserve.