by cj2be » Apr 15, 2019 She was a gemologist and putting things in layman’s terms for me. She said indented natural is a fancy word for a small chip. She showed me where those are (I didn’t even see them). Then she said the thing I actually saw is definitely a chip that was caused by blunt force. We have my old diamond insured but haven’t updated the insurance with the appraisal our jeweler gave us from the new diamond. But the gemologist said that the appraisal is inaccurate at $8,500. So I have no idea what to do there.