This is the most common reason for having a jewellery valuation written. Having a professional valuation will make for an easier road should you ever have to make a claim with your insurance company or if you need to file a police report. In addition to a detailed technical description of your item, the valuation includes a macro-photograph of your piece.
If you were to lose a ring that had significant sentimental value, that macro photograph could help your jeweller to recreate your lost item. As they say, a picture is worth a thousand words!