More Feather Concerns...

[PDietz]

Ok, I recently purchased a loose diamond with a feather near the surface and am a little concerned about durability. There is a tremendous amount of information on the forum regarding feathers and I''ve spent many hours reading through most of them. Now, I''m little curious to hear a few personal stories where a feather actually expanded within the stone or even worse caused the stone to fracture. It seems there is a consensus that a feather near the surface is a risk, but how often does a feather actually become a problem? I know diamonds can chip/cleave/or simple just break, but how often has this happened as a result of a feather?

Thanks for the help, just trying to "gauge" the level of risk with a feather.

 

[stone-cold11]

Just buy an insurance, it will be covered even if the stone chip due to existing feather or just chip for whatever reason.

 

[ct-appr]

When you buy insurance, remember all policies and coverages are different. Here are a few questions to ask the agent (from AGS)

Is an appraisal necessary for full coverage?
Will I have an easier time and more equitable replacement if the appraisal has been preformed by an American Gem Society jeweler?
What is the difference between scheduled and non-scheduled coverage?
Is there a deductible? If so, how much? May I ask for a larger deductible for a premium savings?
Is my policy all-risk (covering damage, robbery, mysterious disappearance, etc.)?
Am I still covered if there is negligence or carelessness involved?
Is it covered if lost, stolen or damaged while in someone else''s possession?
What if only a part is lost, e.g., diamond out of ring?
If there is a loss, do I have a choice of cash or replacement?
Can I go to whomever I choose for the replacement or repair?
If a loss has been replaced or repaired through an insurance company source, will I be allowed to verify proper replacement by a reputable firm?
If I ask for a cash settlement, will I get the full amount?
Is there a difference in limitation between jewelry and silverware?
Are their any geographical limitations to my coverage, outside my home or business, internationally?
How much will it cost per thousand for full coverage? Partial? What do I sacrifice for the limitation?
Is depreciation ever imposed?
How often should I have an appraisal update?
Am I limited to appraised replacement cost should there be a sizeable increase in the value of my jewelry?
If there is damage to a piece, can I replace it or must I be limited to repair? If adjustment is limited to repair, am I renumerated for the loss of value?
What if the lost item is irreplaceable?
Are there any security precautions required? If not, would it affect the premium if there was?
What proof is needed to justify a claim?
What kinds of jewelry insurance are available?
Are there any exclusions?
What is the "pair & set" clause?
What types of property are not covered?

 

[Lorelei]

Date: 10/15/2009 3:28:48 PM
Author:PDietz

Ok, I recently purchased a loose diamond with a feather near the surface and am a little concerned about durability. There is a tremendous amount of information on the forum regarding feathers and I've spent many hours reading through most of them. Now, I'm little curious to hear a few personal stories where a feather actually expanded within the stone or even worse caused the stone to fracture. It seems there is a consensus that a feather near the surface is a risk, but how often does a feather actually become a problem? I know diamonds can chip/cleave/or simple just break, but how often has this happened as a result of a feather?

Thanks for the help, just trying to 'gauge' the level of risk with a feather.

Check out this thread if you haven't seen it, I asked the experts a while ago concerning this https://www.pricescope.com/community/threads/calling-the-experts-when-is-a-feather-an-issue.126601/ Check your insurance policy does cover the stone against damage as you would in any case, not all do.