THE SHORT ANSWER
Audit the evidence without exposing the security plan
Review fifteen authority, chronology, policy, inventory, identity, ownership, basis, value, police, carrier, insurer, evidence, settlement, recovery and tax fields. A conflict overrides apparent completeness. The worksheet runs locally, exports CSV and never determines coverage, value, tax treatment or criminal responsibility.
PRIVATE BROWSER WORKSHEET
Build a gold loss and claim evidence file
Nothing is uploaded or retained. Use private references rather than alarm details, safe locations, combinations, account credentials, full taxpayer identifiers or information that could create a security risk.
Collect missing evidence or make a deliberate not-applicable decision. Never invent ownership, basis, value, dates or coverage.
Missing: Authority and claimant, Incident chronology, Policy and endorsement, Item-level inventory, Product identity, Ownership evidence, Adjusted-basis record, Pre-loss value evidence, Law-enforcement report, Carrier or custodian record, Insurer notice and proof of loss, Evidence preservation, Coverage and settlement, Recovery and subrogation, Federal tax review.
Dates and statuses are copied exactly as entered. GoldObserve does not calculate an insurance settlement, reconstruct a historical gold value, decide Form 4684 treatment or determine who committed a theft.
STATUS METHOD
One contradiction can invalidate an otherwise complete schedule
PRIVACY BOUNDARY
The downloaded CSV is an index, not the evidence vault
Use item IDs and protected-document references. Store police reports, invoices, photographs, appraisals, policies, access logs and settlement documents in the secure system selected by the claimant. Do not put exact storage details or credentials in a portable review file.
PRIMARY SOURCES
Insurance-regulator, federal and carrier evidence
- NAIC homeowners and renters guidance and its consumer homeowners resource for valuable-property limits, inventories, appraisals and claim preparation.
- NAIC actual-cash-value and replacement-cost explanation for policy valuation language and depreciation.
- Ready.gov document-and-insure guidance for receipts, photographs, inventories and protected records.
- U.S. Mint bullion consumer awareness for product specifications, premiums and dealer-market context.
- USPS bullion insurance limits and Domestic Claims guide for service selection, proof of value, insurance evidence and packaging retention.
- IRS Publication 547, Form 4684 instructions and the July 2026 casualty-loss update for theft, reimbursement, disaster and 2026 scope boundaries.
Reviewed July 31, 2026. Coverage and claims are controlled by the actual policy, endorsement, jurisdiction and facts. Postal terms and tax law can change; verify the service and use the form and instructions for the incident year.
FAQ
Gold loss claim checklist questions
Does this checklist calculate an insurance settlement?
No. It records policy, inventory, value and settlement evidence. Coverage and payment are controlled by the actual policy and insurer decision.
Does it decide whether a theft occurred?
No. It records the incident and official report references without making a criminal finding or naming a responsible person.
Is sensitive incident information uploaded?
No. The tool runs in the browser and does not retain entries. Do not enter safe locations, alarm details, combinations, credentials or full taxpayer identifiers.
What should a conflict result mean?
Pause claim assumptions and preserve both records until the authorized claimant, insurer, investigator, carrier or adviser reconciles the difference.