If you know you had it on this morning and you haven't left the house, then your odds of finding it are good! However, even if you've been out-and-about or in public places this is an important step. Just take a deep breathe and try to remember what you were doing the last time you saw it. Check in all of the unlikely places: pockets, counters, in the cuff of you pants, shoes, under furniture, the trap in your sink!, in your purse, in the garbage. Replay everything you've done up until you noticed it was missing.
It never hurts to ask, right? Even if you think it's unlikely, ask owners, managers, roommates, coworkers, and anyone else that you've interacted with that day if they've seen it. If you went into any stores or restaurants be sure to have a manager/owner check their lost and found.
3. File A Police Report
Call the police as soon as possible, but after you've checked out number 1 & 2. You wouldn't want to file a police report only to find it under your couch cushion 10 mins later. Be prepared to give them a detailed description. If you have an appraisal or pictures, have them on hand. Be sure to note the ring size, type of metal, type and size of stones, inscriptions, and any other distinguishing characteristics. Consider offering a reward or finders fee.Craigslist is a great place to start. Check to see if anyone has found a ring matching your description and take the time to make a 'lost' post. Go out and buy your local newspapers and check the classifieds.
4. Check Local Lost and Founds
5. Check with local Pawn Shops
Depending on your location, the police may do this for you through a 'pawn shop unit'. (Be sure to ask when you file your report!) Leave a description of the ring with the owners/managers of the pawn shops and let them know you've filed a police report. Be sure to find out if they will charge you a collection fee to get it back if they do find it.
6. Contact/Hire a 'Ring Finder'
Paul Woods who told me he's had a 100% success rate! You can find him, or other ring-finders in your area through their online directory.
This is a hard step, but it's important. You shouldn't feel like a pest when you call back once a week to ask the owners/managers if they've found anything or if any one has turned anything in.
8. File an Insurance Claim
It is heartbreaking to think, but if you've been through the first 7 steps and haven't had any luck, it may be time to find out what your other options are if you don't find your ring. This is not the time to give up the hunt!! Keep looking, but at least you're covered and can get a replacement if necessary.
Also ladies, get those rings sized correctly!! If your fingers get smaller in cold weather consider sizing it a quarter size smaller, or buy a 'ring size adjuster' for less than a dollar.
I hope no one reading this has to go through the heartache of losing such a prized and sentimental possession, but if you do, I hope these steps will help to reunite you with your ring!