UCLABelle
Ideal_Rock
- Joined
- May 15, 2005
- Messages
- 2,360
My observation has been that very thin girdles and points are, by a lot, the areas of damage. That said, I think it’s helpful to notice the behavior of the insurance companies since they are operated by some smart folks who are in the business of assessing this sort of risk.
Most of the major companies offer some sort of coverage that includes chipping of diamonds and I don’t know a single one that charges extra for stones that they consider to be especially risky even though they are well aware of the above comments about points and such (which are correct by the way). To some extent this has to do with the difficulty and expense of training underwriters and the unreliability of customer submitted appraisals to provide the required information but mostly they’ve decided that the increased risk isn’t enough to be worth the trouble to account for it. They just don''t count it as all that an important part of their risks. This is little solace for people who break diamonds but it’s useful for shoppers. Don’t sweat it too much. Buy whatever shape you like, sell the risk to your insurer and go about your life knowing that it’s now someone else’s problem.