- Joined
- Jul 17, 2008
- Messages
- 13,352
Last week I took my three stone ering in for a new appraisal because I wanted to switch to Jewelers mutual instead of my big name homeowners ins. On inspection, one of my side stones was chipped. I contacted big name ins and without seeing the ring they went to their " approved" jeweler for an replacement estimate. They called me later in the week and I didn't want to use the "approved" jeweler. They agreed to send me a cash settlement and lowball the figure. Turns out the "approved" jeweler high balled the estimate and I was happy to receive the "lowball" estimate. I contacted my BFF who said she could beat the price and she came up with a Gia stone that was ok but beat the price by only $300. After researching on my own I discovered I could get TWO new AGS premium ideal, VS side stones from WF for only $100 more than big company approved. My originals were uncerted, "G, si1". The new stones are the same diameter but larger ct weight as the older ones must have been shallow with a large spread. I will return the chipped stone to big name company, keep the second stone and get two perfect new stones! I'm still going to switch to Jewelers mutual but homeowners isn't always bad!
I'm so happy that this worked out in your favor! Fortunately, and knock on wood, I've never had to make a jewelry claim. I initially had JM, but switched to a USAA valuable personal property policy last year to help facilitate what appeared might be a logistical shipping nightmare, and so far I've heard good things from people that have used them, so while my fingers are still crossed that I'll never have to use them, I'm encouraged by the good reviews I've heard thus far. 
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