ironically my princess stone was just chipped when having it reset. What happened was I waws being anxious, saw a jewelry exchange in Nj, went in saw a new setting I liked, paied for it, they sent me to the stone setter in the exchange, he claimed the chip was there, I know it wasn''t. hence, filed a claim w/ my insurance company and two weeks later I had my new and better stone! Of course I paid to upgrade, but that is why we pay for insurance. In this case, it wasn''t even worth trying to get either the jeweler or the setter to cover, since there was no proof it wasn''t already there. Therefore, word to the wise, always go back to the person you bought and set the stone for you, this way there is proof it wasn''t damaged before they started the work in the event they did damage - then they should be responsible - if the balk, have your insurance company pay and try to subrograte.