Ditto on this. I didn''t worry about it when buying stones from Good Old Gold and WhiteFlash.Date: 3/27/2009 5:39:35 PM
Author: swingirl
I never got my stone or setting appraised. My insurance company used my invoices to determine the cost of replacement. You also don''t want an inflated price to pay insurance on. If you are buying from a trusted vendor you might want to forgo the appraisal of the loose stone. I''d only get that if I wasn''t confident of my purchase, was buying the stone from an unfamiliar vendor, if the stone wasn''t certified or if it was a really large and expensive stone.
Date: 3/27/2009 8:51:20 PM
Author: diamondseeker2006
Ditto on this. I didn't worry about it when buying stones from Good Old Gold and WhiteFlash.Date: 3/27/2009 5:39:35 PM
Author: swingirl
I never got my stone or setting appraised. My insurance company used my invoices to determine the cost of replacement. You also don't want an inflated price to pay insurance on. If you are buying from a trusted vendor you might want to forgo the appraisal of the loose stone. I'd only get that if I wasn't confident of my purchase, was buying the stone from an unfamiliar vendor, if the stone wasn't certified or if it was a really large and expensive stone.
DittoDate: 3/27/2009 7:03:20 PM
Author: kcoursolle
In this situation you can take it back to the appraiser and get an ''updated appraisal''. Usually this appraisal only costs a small amount, mine was $20 (the first one was $100). For the updated appraisal they look and verify that it is the same stone, that it wasn''t damaged in the setting process, look at the setting quality, and any other issues with the setting.
However the charges work (free or for a cost) for this second appraisal, I would recommend getting it. There are craftsman issues that can arise, in putting the ring & diamond together (proper gripping with the prongs, for example) that can be observed, and, if necessary, fixed, after this second review by the appraiser. They would not be caught, otherwise.Date: 3/27/2009 5:21:01 PM
Author: icebrker
since i''m getting the setting and wedding band custom made, wouldn''t the insurance just take the cost of the setting and wedding band + the appraise of the loose diamond?
Very true. Many diamonds fracture/break because they were not sitting in the prongs correctly. Prongs should help dissipate a blunt hit to the diamond. If set wrong, a slight wack can easily fracture a diamond.Date: 3/28/2009 4:56:01 PM
Author: Regular Guy
However the charges work (free or for a cost) for this second appraisal, I would recommend getting it. There are craftsman issues that can arise, in putting the ring & diamond together (proper gripping with the prongs, for example) that can be observed, and, if necessary, fixed, after this second review by the appraiser. They would not be caught, otherwise.Date: 3/27/2009 5:21:01 PM
Author: icebrker
since i'm getting the setting and wedding band custom made, wouldn't the insurance just take the cost of the setting and wedding band + the appraise of the loose diamond?