Most people usually have additional insurance on their watches, either as a standalone insurance or tied up with their home insurance. By your response, I don't think you had one. If you had one, you could've possibly explored that option for getting the rightful compensation.
do you have an independent valuation for this assumption or is it based on C24? C24 or any other online portal will not be considered a credible source for evaluating a watch's price as those are the prices defined by the individual consumers based on their opinions. You'll find the same watch ranging from 3000-10000 $ for example on these portals (might be an exaggeration, but you get the idea).
Best to talk to a lawyer in your country on the matter.
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