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- Apr 3, 2004
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by an independent appraiser?
Cfcflutist|1418690888|3801819 said:For me, there was absolutely no reason to.
I had the 10x, ASET, Idealscope, Hearts & Arrows images, plus the AGSL Lab report available.
I could see that the AGSL inscription on the girdle matched the lab report.
I could see that the clarity characteristics matched the plot on the lab report.
I had a one-page checklist that I followed, checking everything from crown angle to lower girdle lengths (and
I probably drove Wink crazy with it).
In addition Wink of HPD and I had an Internet Show & Tell session where I could see the diamond in question.
That was all I needed to formally "accept" my 2.21 F-SI1 CBI Diamond.
Wink and I have had a 10-year working relationship where I trust this man implicitly, period.
He has delivered on everything I have bought from him so there is no reason for me to use an outside appraiser.
bright ice|1418733440|3802191 said:Yes, only because insurance required it!
elle_chris|1418752444|3802337 said:I use to have Jewelers Mutual and a receipt was not sufficient for insurance. They wanted an appraisal.
They did use the receipt while it was being set since the diamond and setting were purchased separately, but they still required the appraisal once I received the completed ring.
For my engagement ring stone, I used an appraiser because I wanted to see the diamond, and get an opinion before wiring the vendor over 30k.
I think it's pretty stupid to wire that much cash without first seeing the diamond.
cflutist|1418767606|3802509 said:elle_chris|1418752444|3802337 said:I use to have Jewelers Mutual and a receipt was not sufficient for insurance. They wanted an appraisal.
They did use the receipt while it was being set since the diamond and setting were purchased separately, but they still required the appraisal once I received the completed ring.
For my engagement ring stone, I used an appraiser because I wanted to see the diamond, and get an opinion before wiring the vendor over 30k.
I think it's pretty stupid to wire that much cash without first seeing the diamond.
I had Jeweler's Mutual briefly as my loose diamond was being set by Vatche. They took an appraisal from Wink for that.
After my rings were finished, I got an updated appraisal from Wink for the finished rings that I then used to move my insurance from Jeweler's Mutual to my own Personal Articles Policy with my insurance company as the premium was $350 cheaper per year with a zero dollar deductible as it was at Jeweler's Mutual with a $250 deductible. I thought that Jeweler's Mutual would prorate the refund, but
to my surprise, they gave me a complete 100% refund because the policy was in force for less than 30 days.
I have to disagree with you as far as it being "pretty stupid" to wire that much cash without first seeing the diamond. This is where the trust that I wrote of in my previous post comes in. I paid (well in excess of what you paid) for a finished CBI diamond that wasn't even cut/polished yet and this was all based on the trust that I had for Paul Slegers of CBI and Wink Jones of HPD. To this day, I have not needed an independent appraisal done for any of my jewelry.