If its a significant diamond you should know 40% of the value is in the quality of the cut. Standards have been changed with advancements in cutting precision, and many older appraisals don't cover the details such as table size, crown angle, symmetry and polish or the all important pavillion angle. Any missing information your insurance company can use to give you a less valuable replacement. You will want a certificated diamond grader to do you new appraisal.
