My engagement diamond (1.23 ct) got a chip in the girdle a few years ago. State Farm covered it as a total loss and let me keep the stone. (Very nice of them!)
Over the years I've wished that I could wear and enjoy my beautiful stone again. I thought maybe if I wore it in a necklace, in a bezel setting to protect the girdle, it would be safe from further damage.
I found a beautiful necklace with a bezel setting from a well-known jeweler in Texas. The jeweler would be willing to examine the stone to see if they think the setting is a good idea or whether they'd recommend recutting the stone--but only if the stone is insured.
I called my State Farm agent and explained the situation. She said that State Farm won't insure chipped or broken stones.
It doesn't seem like *any* insurer can insure chipped or broken stones.
The jeweler in Texas has not been very helpful. A consultant there said that I should contact an independent appraiser, but what's the point in that, if the stone can't be insured? Local jewelers don't want to appraise my diamond or work on it, either.
I can't possibly be the first person who has ever chipped a diamond... I can't figure out how to proceed. I would be willing to sign a waiver just to have a chance at wearing my diamond again.
Does anybody have advice?
Over the years I've wished that I could wear and enjoy my beautiful stone again. I thought maybe if I wore it in a necklace, in a bezel setting to protect the girdle, it would be safe from further damage.
I found a beautiful necklace with a bezel setting from a well-known jeweler in Texas. The jeweler would be willing to examine the stone to see if they think the setting is a good idea or whether they'd recommend recutting the stone--but only if the stone is insured.
I called my State Farm agent and explained the situation. She said that State Farm won't insure chipped or broken stones.
It doesn't seem like *any* insurer can insure chipped or broken stones.
The jeweler in Texas has not been very helpful. A consultant there said that I should contact an independent appraiser, but what's the point in that, if the stone can't be insured? Local jewelers don't want to appraise my diamond or work on it, either.
I can't possibly be the first person who has ever chipped a diamond... I can't figure out how to proceed. I would be willing to sign a waiver just to have a chance at wearing my diamond again.
Does anybody have advice?