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My friend's Tiffany's diamond fell out too! And she didn't have insurance so they refused to replace it! TIFFANYS=bad! My mother had my great grandmother's diamond ring and after all of those years of my great grandma and grandma having it, my mother being a person who gardens, cleans, does ANYTHING with her rings on, managed to lose the diamond. This whole topic is just a bit...scary! GULP! 
Wow, crazy timing... I JUST had a very very small diamond fall out -- no idea what happened to it, but I noticed for a few days it was not as bright and write as the others, it was sort of grayish. I tried to clean it a little with the toothbrush. A couple days later, that spot was empty. However, when they are SO small they are really not expensive to replace. It was more of a chip than an actual diamond. The first place quoted us about $120 to replace it (without really looking at it) and the second place quoted us $20. I will get it back in a week and they promised to check all the other stones and make sure they are stuck in there.
You should be ok--I know the store I bought mine at has a warranty on my ring as long as I get it checked every 6 months...which means you're probably safe at the 3 month check! This was always told to me at every store I visited. That reminds me I probably need to have my checked soon.
Surely they'll fix it!
My ring has a bit of an oval shape, the jewler told me that happens from wearing it and how your fingers are shaped. If the way it formed to your hand changed the shape in a certain way it could cause smaller diamonds to come out.
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Unfortunately, it's more than an just a slight oval shape... Its really oval... I could barely get it off my finger. My mom said it looked like I took a hammer and banged on it.
This *is* a scary topic... my fiance's already paranoid that my ring's going to mysteriously disappear off of my finger one of these days. He doesn't need to know that the diamond can just fall out!
That's awful about your ring, but the oval shape is a pretty quick fix. Hopefully the diamond won't be too much to replace. :(
I haven't lost any diamonds on my ring, but my fiance TOTALLY flipped out when he noticed I had a tiny knick in the gold band (on the bottom/ palm side).
I don't think I could even face him if a diamond fell out, I'd replace it myself and never let him know....To save myself the agony
I lost a little diamond too, twice. And my ring will continue to look like a jack-o-lantern until I can fly home to get it fixed. It's so annoying and the worst feeling when you notice it's missing. Hope your store is helpful and you can get yours fixed soon!
PS mine's not insured either, my fiance just tells me "don't lose it"
Make sure it's made out of the quality gold it's supposed to be. You might consider having it made out of 14K instead of 18K, or depending on what it's made with. It might just be too soft for how heavy you're wearing it. Sounds like you banged it up in your sleep
My diamond became loose, but it would never ever just fall out. The way it is set, that would never happen on my ring. How scary though!!!!!!!!!!!!!!! I think that I must have accidentally banged it on something - platinum is sooo fragile. Tightening it was so easy though.
The day after I got engaged my center stone diamond fell out then a few weeks later a diamond in my band fell out. It can happen to anyone! I luckily had insurance and after reparing it once they replaced my ring with an exact replica. Luckily we were able to work with a company who had great customer service.
Many homeowners policies will cover an engagement ring. If you have homeowner's insurance, it is worth checking out. We insured mine this way.
So sorry to hear that happened to you...I really hope your jeweler can help!
I'm counting the days until my insurance appraisal comes in so I can add my ring to my renter's policy. Until then I'll continue checking it constantly to make sure there's isn't an empty hole where a diamond is supposed to be...!!!
MsHymanRoth: Is platinum really so soft that rings can be damaged easily? Eek!
I hope it all works out for you and the ring is under warranty with the store! I just wanted to add a word of caution for other ladies...I noticed when I was at my jeweler's a couple days ago that they have a tiny sign saying they don't warranty any four-prong setting. So for those of you who don't plan to get the ring insured immediately, do check the jeweler's warranty specifications!
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Oh Wow! I can't believe the jeweler doesn't have something to cover that. We bought both of our rings from the same jeweler- and their warranty is if any of my diamonds fall out- they will replace them, which is awesome for me! My center stone is 2 ct and if it falls out- they replace it with a stone of the same or better quality. The thing you need insurance for is if I lose the entire ring- then we're S.O.L.
Honeypants: Platinum is less "hard" than gold but its also more durable. People often get platinum prongs on their gold ER's because platinum holds a diamond better than gold.
Platinum isnt "Fragile", it may have a softer surface but if you take two rings (WG and Plat) and bang them up against something hard, your much more likely to BREAK the gold ring while only bending the platinum.
About two months ago my mother grabbed a metal tube handrail and her antique gold ring literally broke in half where the ring hit the handrail. It was lucky that she noticed, the ring and diamonds have been in the family for years.
I lost one of the little diamonds in my previous ring (I was married before). I did not have insurance on my ring, but luckily, I got down on the bathroom floor with a flashlight (I had dropped it earlier that day in there after getting out of the shower) and I found it. The jewlery store put it back in.
With this ring, the first thing I did was get it insured (it's over my homeowner policy coverage).
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I saw a post a few weeks ago about someone almost losing their diamond. Now that's me :(
I check my ring about 100 times a day, seriously I love it, and I noticed that a small diamond fell out. Not only did the diamond fall out, but the ring is bent up badly. It's not even round anymore, its more like an oval shape. Strange thing is... I don't know how it happend. I just looked down and it was mis-shapen & missing a diamond!
My FI is furious. We didn't buy insurance for it (we were waiting till we had both the band, the engagement ring and his ring). Stupid, I know. I'm just hoping the store where we bought the ring has some kind of warranty. I've only been wearing it for 3 months! Its a hearts on fire ring, which is suppossed to be an excellent brand. I just don't get how it could have happend...
My ring is ruined...