I am in the process of replacing my wedding ring (lost it) and fighting with the insurance company. My original stone was .69 carats, K color, and SI1. Not exactly sure of the cut and don't recall if it was on the appraisal or not. When I went to the jeweler to pick something out that should be the same in value she showed me a ring that was 3/8 carats, H-I color and SI1. She didn't mention the cut. I'm wondering what drives the value most - size, cut, color or clarity??? Anyone know?? TIA!