My wife's ring was damaged and we lost the main diamonds and several others in the setting.  Fortunately we have a good personal article floater it with a detail and very good estimate (the darn thing is like a leather bound book--sheesh).

Anyway, the estimate was done in 2003.  So I don't think the prices of precious gems has gone up that much have they?  Do they normally cut me a check to go buy a stone or do they get on and have it done for me?

Also, I guess I'll have to check my policy to see if it is full replacement value or just the value put on it at the time.




(PARDON THE INCOHERANT THOUGHTS AND SPELLING.....OXY'S AND AMBIENS.....RECOVERING FROM SURGERY)