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The Jewellers with the Mark of Excellence
Insurance companies require an appraisal to determine an items value - it is essentially an insurance claim that determines the worth of the item in today’s market (which fluctuates depending on the given price of gold/gemstones.) Some companies require the appraisal to be updated periodically, to ensure the coverage is accurate for the item's replacement value.
One of the most important ways to maintain the beauty of a piece of jewelry over its lifetime is to put care into its preservation. Depending on the material used to craft your ring, it is a good idea to not wear it while performing any strenuous work - including exercising, working on your home or any other heavy labor. Heavy weight upon or hits to the ring may bend its prongs, the ring itself and could even chip your diamond.
Although diamond is known as the hardest material on earth, it still runs the risk of being chipped: a hard blow to the girdle (middle of the stone) or culet (the pointed base) may damage it. Aside from this, however, diamond is essentially indestructible.
Additionally, it is a good idea to take off your ring before sleeping - due to the prongs potentially catching on the mattress fibers and either tearing the mattress or pulling a prong off.
To ensure the longevity of your jewels, it is best to store them in a jewelry box or an enclosed area where there are no other metals, as this could scratch your item or wear down the metal and its prongs.
See Get Your Sparkle Back! for helpful hints on jewelry cleaning.
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