What Is Your Obligation To Report Finding An Earring 15 Years After Making A Claim? 
Honesty is the best policy . It is a reflection of your character . Insurance companies normally keep records of a policy for about five years after the policy terminates . Your policy terminated . You may still be insured by the same company and may even have the same policy number . However , the policy that had the loss terminated . I would love to see the look on the face of the claims department when you report your discovery . 