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Lab Grown Diamond Insurance Valuation vs Natural Diamond Appraisal: Key Differences

Two Diamonds Walk Into an Appraiser’s Office A 1.5-carat lab grown diamond and a 1.5-carat natural diamond sit side by side on an appraiser’s bench. Chemically, they are identical — same carbon structure, same hardness, same optical properties. The appraiser’s loupe cannot tell them apart without specialized equipment. And yet, the insurance documents that come out of that office will look meaningfully...