Post # 1
Ugh I feel awful, I went through so much with this ring and now that I have finally truly begun to enjoy the beauty of it I damaged it.I chipped the girdle I believe its called (the edge) of the center stone. The center stone is a round brilliant cut stone with four prongs. Ive been meaning to add two more prongs for security but have not gotten around to it. You cant see it unless you look very very closely and in certain light. If its bright lights or sunny out you cant see it even if you look close because the sparkle doesnt allow for it. I found it by accident, I was admiring my ring and felt the sides of it, my fingernail caught in the chip and my heart sunk.
I called the jeweler I bought the diamond from, he is a private jeweler who only works with stones that are of the highest quality. He told me I shouldnt worry about it because I cant see it unless I look very closely. He told me I dont even have to be extremely careful when I wear it. What he recommended was that I be careful when I take it off and put it in its own box not with other jewelry which is something I havent been completely careful about.
I asked if I should send it to be repaired/recut he told me he doesnt think its necessary because its so small and unoticeable. What he did say though was that next time im in town he can move the stone around so that the prongs hide the chip or I can wait until I get the stone placed into 6 prongs.
I wish I hadnt slacked off on getting it insured. I have the appraisal form of the value of the ring. Is there any chance I can still get it insured with that form that I had from a year ago when I got insured? I was thinking of doing so but I dont know what the rules are but if I can get it insured still with that form I want to just in case anything ever happens to my ring again. Ugh this feels awful. This ring means so much to me. Ive been through a lot in the past two years and this ring has become a symbol of that for me.
Post # 4
You should be able to add your ring to your insurance policy whenever you want to, call your agent and ask.
I would either have the stone moved as your jeweler suggested, to hide the chip, or have the extra prongs added and hide it that way.
Post # 5
I am so sorry that this happened! I know how much they mean to us, so *HUG*
First of all, I’m not exactly sure what your asking in the final paragraph of your post so I’m just going to cover all of the bases here in insurance town.
You will not be able to get the insurance company to backdate coverage in order to file a claim, attempting to do so constitutes fraud in any state I would advise you not to try that.
The current appraisal that you have is inaccurate now that the stone has another physical feature, in order to properly schedule your ring, you will need to obtain a new appraisal from another jeweler, I feel yours is a little too nonchalant about the whole thing for my taste anyway, and all insurance contracts contain a provision stating that you will present all information to the best of your knowledge or the coverage is voided…so make sure you get that handled.
The good news is, if you currently have either homeowner’s or renters insurance coverage, there is usually a token amount of coverage for unscheduled jewelry, perhaps you can find some coverage there. Although please schedule it as soon as possible, otherwise mysterious disappearance is not covered.
best of luck!
Post # 6
Thanks for the advice. I will see about getting it insured with a new appraisal or maybe just getting prongs added.
I didnt mean to make my jeweler sound nonchalant about it because he was not. He would only gain if he advised me to have it recut or reset immediately and made a big deal about it… because I would have to pay him of course. He isnt just a jeweler, he is a gemologist that is very very well known in New England. So I really didnt want to make him seem like he doesnt think its a big deal when it is… I think he gave me his honest opinion.
Like I said, its very very very difficult to see the chip. I wouldnt have ever noticed if I didnt constantly touch and stare up close at my ring.
I feel like I should just have prongs added when I can get around to it.
Post # 7
Here are a few images. The lighting to me kind of makes it seem like I have something going on on the other edges but i think its just that the sparkle doesnt really allow for a very clear picture. I dont know if anyone can tell where the damage is?
Post # 9
hmmm, i can’t see anything.
Post # 10
I showed it to my husband and he cant see it. When I pointed it out to him and had him feel it with his fingernail, he could “barely” make it out. So it made me feel better. I think Ill just wait until I can get a new setting or more prongs. I dont want to cut it.