When you’re in the market for a loose diamond, it may seem overwhelming at first, as there are many considerations to take. It is important to evaluate and compare diamonds by obtaining a GIA Diamond Grading Report, as well as have the loose diamond appraised and insured. Protecting your investment is especially important when it comes to diamonds, as they are often associated with aspects of our lives that carry deep meaning.
Because diamonds are so valuable, you will want to obtain a diamond grading report for your loose diamond 1卡鑽石 . The Gemological Institute of America, GIA developed the 4Cs and the GIA International Diamond Grading System to objectively compare and evaluate diamonds. The GIA Diamond Grading Report includes an assessment of a diamond’s 4C’s – color, clarity, cut, and carat weight – along with a plotted diagram of its clarity characteristics and a graphic representation of the diamond’s proportions.
The GIA Laboratory is regarded as the world’s most respected authority on diamond grading. It grades the vast majority of the finest diamonds in existence and its reports are internationally recognized as the benchmark of excellence. When you purchase a loose diamond with a GIA grading report, you are assured of the highest level of grading accuracy.
Once you have obtained a GIA Grading Report and settled on a GIA certified diamond, you will want to have it appraised. It is important to understand who is best qualified to provide an objective appraisal of your loose diamond. It is not recommended to accept an in-house appraisal from a jeweler. You may find good prices at local retail stores, however there’s a good chance the retailer will appraise each GIA certified diamond in the showcase for more than its selling price to make you feel good about their prices. Instead, it is recommended that you seek an appraisal from an independent, objective, certified gemologist and appraiser. It is best to select an appraiser who does not sell loose diamonds, and is not affiliated directly with diamond brokers and retailers.
Be sure to seek out an appraiser affiliated with a reputable organization. The big three organizations an appraiser can go to for training include the American Society of Appraisers (ASA), the International Society of Appraisers (ISA), and the National Association of Jewelry Appraisers (NAJA).
Once you obtain the appraised value of the GIA certified diamond you are purchasing, it is recommended that you consider having it insured. Buying a diamond usually comes with a considerable price tag, and is something you will likely wear every day, in the case of an engagement or wedding ring. With this in mind, it’s important to protect your investment in the case of loss, theft, or wear and tear which can loosen the stone. Research your options with regards to homeowner’s or renter’s insurance, as it may be covered, however often at lower limits of liability for jewelry, and may not cover loss or damage in all situations. By raising the limit of liability or “scheduling” your individual pieces through the purchase of “floater” policies, you will pay a higher premium, but will have broader protection because the floater covers losses of any type, including accidental losses that homeowner’s insurance will not cover.
There is a lot to understand when you’re in the market for a loose diamond. To feel more at ease with the investment you’re making, ensure it comes with a GIA grading report, find out the actual value of the GIA certified diamond from an independent and objective appraiser, and insure your diamond jewelry so that no matter what happens in life, you have the peace of mind knowing your investment is protected.