In accordance with Insurers' instruction, we have handled this claim on a desktop basis. We have received a letter written by Mrs. Lohia dated 25 August 2015, which states:
"This is to inform you that on 19 August 2015, I was getting ready for dinner. I took out the concerned pair of earrings with the intention of wearing them. Unfortunately while doing so, standing in my dressing area, it slipped and fell from my hands. Being of very fragile and delicate material, it broke into two as it fell on the hard marble flooring".