Ed Oliver was just saved from a VERY expensive catastrophe ... 'cause the NFL defensive lineman's chain fell off while swimming in Lake Erie over the weekend -- but, thankfully, a diver came through in the clutch and found it!!!
Oliver's neighbors shared the awesome story this week ... explaining they had been out boating Saturday when Oliver's ice accidentally fell to the bottom of the body of water.
"It popped right off his neck," Oliver's neighbors said.
Fortunately for Ed -- a 1st-round pick in 2019 -- his neighbors were able to get pro divers out to look for it ... and they got it back!