Last year, I filed a claim after I had some jewelry stolen. I changed companies after that and specifically insured some of my more expensive jewelry. Recently, I lost a diamond bracelet – one I had specifically insured. I am worried about making a claim for a couple different reasons. I had one similar not too long ago, and also I feel like I was bit negligent in losing it. Will the insurance company think I am making a fraudulent claim? Will they cover it if I lost it due to my own negligence? What happens if I find it after the fact?