Is there a difference between an Insurance Appraisal and and appraisal to see if your diamond is what the cert says it is? I just went to the place where I''m getting my setting made and they gave me an insurance appraisal for my diamond and didn''t even look at the diamond. They just looked at the AGS Cert. The woman didn''t even charge me for it. This is a reputable place, and I don''t think they are being shady. I just thought an appraisal meant that they actually inspect the diamond. Is there supposed to be a difference?