Feather in diamond-chipped stone.

[lauraher]

So, I wish I would have found pricscope before we bought our stone, but at least I can get informed now. I have had my diamond for about 10 months, and noticed that there was a chip-I think, right outside the table. I am taking it back to the store I bought it from this afternoon so that they can look at it, but my question is do you all think that Chubb will cover something like this. I think it is a feather that has reached the surface. The stone was graded SI1 by GIA, and is actually very beautiful, but I don''t want a stone that has the potential to be damaged at anytime. What should I do next, wait to see what the store says, or file a claim with Chubb without the stores assessment? Is Chubb going to give me too much of a problem since the stone already had a feather? I''m just really upset and worried, I am not even married yet, the wedding is in September!!! Thanks to anyone who has advice.

 

[C Smith]

I'm not 100% sure what you're asking. A feather is a fairly normal SI-1 grade inclusion and is no big deal. Can you see the feather without magnification? If it were truly durability-threatening in size, the stone would have been graded an I-2 or worse in most cases initially. Are you saying the stone is chipped now or that you are concerned it may chip later at the feather? If it's chipped now, does that mean the feather is a new fracture that didn't exist before? We can be of more help with a bit more info.

 

[oldminer]

Diamonds are forever. Its a catchy phrase, but this really applies to diamonds which are not worn. In daily use, some diamonds, even flawless ones, will become chipped, fractured and abraded. It is just part of their nature. Chubb and other first class companies will protect your interests provided you are not a frequent offender.

 

[RockDoc]

If the chip is just off the table, it probably got hit in just the right direction.

Did you get a lab report when you bought the stone? If so try to scan it and post it here.

Generally a feather near the table won''t open or spread, that is far more common with feathers at the edge of a stone.

It could be an inclusion that you didn''t notice previously, or it could be damage.

If it is damage, it is covered by the Chubb policy.

I would suggest that you take it to an independent gemologist for the assessment of it.

While this is not true of all sellers, most fearing they MIGHT be held responsible, will not often be factual about what they say to you, so it is better to have someone unbiased examine the stone for you.

Insist on seeing the "problem" under a microscope yourself.

Rockdoc

 

[lauraher]

Thanks for everyone''s replies. The stone is chipped/fractured. I am not sure if it was from a well placed hit, or if the feather that was already there just spread up to the surface? I guess my main concern was if Chubb would cover this, or if they would make me just get it repaired-something I would rather not do. I''ll wait and see what happens this afternoon, and possibly start searching for an independent appraiser to take a look at the stone if I am going to make a claim.

Thanks

 

[C Smith]

I see the source of confusion I think.

A chip is a piece of diamond missing and usually occurs at the girdle but can occur at any sharp angle faily easily under the wrong circumstances. A fracture is a crack and can be either completely internal or immergent. They are two different things. Is there a chip of the diamond missing or do you have a surface-reaching feather/fracture? A chip can generally be polished/re-cut out. A feather cannot be repaired but can be filled. Do you have the capability to post a picture of the damaged stone?