The glass had shattered in the frame of the water color but the plant was still inside its container. Thankfully, no mud came out. Number one, I learned to make absolutely sure hanging fixtures are stable enough and strong enough to hold the weight of the art work. I called my insurance company and they told me to get an estimate on the value of the losses. With the proper appraisal, I could have come out much better.
Appraisals clearly tell the value of items.
Otherwise, it becomes a guessing game. Don't take chances with not knowing the value of your antiques and fine art. Make sure they are covered under the terms of your home owners insurance. Make sure the appraiser has years of experience in the buying, selling and collecting of antiques and has been active in attending shows, shops and auctions where items are constantly being brought to the current market place.