by kmoro » Apr 15, 2019 Hi Everyone, I’m just wondering if anyone has had a similar experience and/or advice. I insured my first Whiteflash purchase by submitting receipts. JM automatically added 30% to the cost and I insured the items for that. Now I have been trying to get them to insure my upgrade - basically a replacement of the first ring for a more expensive ring. I submitted the receipts like I did the first time. JM will only insure me for the cost this time, saying that I need an appraisal. I don’t get it. I didn’t do anything differently. I submitted receipts from WF. What good is a policy when I’m only insured at today’s cost? Why do I suddenly need an appraisal? AAAAAAAARRRRRRGH!!!!! Thoughts? Thank you!