Ok, I hate to even admit this to anyone, but I need some advice. Last May I bought a Superbcert diamond for my wife''s engagement ring and had it set in the Vatche X prong. Because I''m a horrible procrastinator, I didn''t get the appraisal done right away like I was told to do. Eventually I forgot about it until before we got married and I realized that I didn''t have insurance on her engagement and wedding rings. So FINALLY last month I took them both in to get an appraisal done before I could get insurance on them.
Well, just my luck that sometime from the point we received the diamond and the time we got the appraisal (almost a full year), a ''minute'' chip appeared on the girdle and is pointed out in the appraisal. I KNOW it wasn''t there when it was shipped from Superbcert, so I''m guessing it happened at some point later on in the course of every day wear. Anyways, the insurance company said they can''t insure a diamond with an imperfection such as a chip. I spoke with the appraiser and he assured me it was such a minor chip that the integrity of the diamond hadn''t been compromised, and that it is something that would be fine if we had it polished out or not (the loss would be insignificant he said).
My question is this: Are there any insurance agencies that would still insure this even with a ''minute'' chip in the girdle? What are my options?
I''m not too keen on having anyone polish out the chip to be honest, and if Vatche doesn''t do the ring resetting or dismounting then my warranty is void. I live no where near NY and don''t really want to ship it out there just to have a minor procedure (according to the appraiser) done. Also, my wife does not want to part with her ring for that long either. Any one have any ideas? I''d love to have the appraiser send me a new appraisal w/out the note about the chip, but that sounds like fraud to me and something most wouldn''t care to be a part of!
BTW, I''m insuring through State Farm as they have every other policy of mine too. Not sure if that matters (maybe others are more lenient?) Any advice or help you could offer would be GREATLY appreciated. Thanks!
Buster