featured How to Choose a Certified Appraiser for Your Diamond Insurance Valuation
Why the Appraiser Matters More Than the Appraisal Document Most people treat the insurance appraisal as a formality—something to tick off after buying a diamond ring or pendant. The piece is beautiful, the certificate from IGI or GIA is in hand, and the insurer just needs a number on paper. But the number on that paper is only as reliable as the...
Why Your Diamond Insurance Valuation May Be Higher Than What You Paid — And What It Means
The Number on That Appraisal Document Is Not What You Paid — Here’s Why That’s Correct You spend ₹3,50,000 on a lab grown diamond ring. A few weeks later, the insurance appraisal arrives and quotes ₹5,20,000. The gap feels strange — like someone got the math wrong, or like you’re being set up to pay higher premiums on a number that doesn’t...
Diamond Insurance Valuation Explained: Retail Replacement Value vs Fair Market Value
Two Numbers, One Diamond — and They Are Not the Same Most people who walk out of a jewellery store assume the price they paid is roughly what their diamond is worth. Then they get an insurance appraisal and see a number that is sometimes 40 to 80 percent higher than what they spent. Then they try to sell the same ring...
