How often should I have the prongs checked?
Every twelve months, at minimum. That's the answer I give when a client asks, "How often should I have the prongs checked?" and it holds for most daily-wear...
Every twelve months, at minimum. That's the answer I give when a client asks, "How often should I have the prongs checked?" and it holds for most daily-wear rings, most hands, most lives. Last fall a man named Daniel came in with his wife's 18k white gold solitaire. He'd worn it for eleven years, through dishwashing and gardening and a move to Florida, without one inspection. He said the prongs looked fine. Two of the six had worn to less than half their original thickness at the contact points. I prodded the stone with a dull pick and it shifted. A few more weeks and that diamond was gone.
Annual checks are not about being cautious. They're about catching wear before the metal fails. Prongs are sacrificial. Every time a ring brushes a counter, a car door, a shopping cart handle, the gold or platinum gives a little. On a solitaire, the top of each prong is only a few tenths of a millimeter thick after shaping, and that small edge is what keeps a stone you paid real money for from ending up in the grass beside a sidewalk. You might feel a slight rattle. You might not. Most people don't until the stone is already hanging by one bent prong.
When to check more often
Twice a year for anything with micro-pavé or a high-set center that catches on sweaters. If you work with your hands, swim in chlorinated pools regularly, or wear your ring while lifting weights at the gym, move to every six months. The same goes for softer stones like emerald or tanzanite in prong settings. Those stones chip at the girdle when a prong lets go, and a chipped emerald is a much sadder repair than a retipping.
I'll say this plainly: tension settings make me nervous, and I tell clients who insist on them to come in twice a year whether they want to or not. The seat in a tension setting relies on very small contact surfaces under constant pressure, and when it starts to lose grip there's no slow warning, so the stone eventually fires out like a seed.
What a prong check actually involves
It takes ten minutes, sometimes less. I look at every prong through a 10x loupe under a good light, first from the top, then from the side. I check that each prong still sits tight against the stone's crown, that no gap has opened, that no tip has worn into a knife edge. Then I use a small pick to test for movement, north-south and east-west. A stone should not move at all. If it does, the prongs need tightening. If the prong tips are worn thin, they need rebuilding with a laser or new metal soldered in. That retipping job is maybe $55 to $90 per prong, depending on the alloy and the shop. It's a lot cheaper than replacing a lost stone.
Some jewelers will try to sell you on a full re-head every time. You don't always need that. Not always. If the prongs are intact but just pushed slightly away, tightening is enough. If the head is cracked or the seat is chewed up, replace it. Ask to see the problem under magnification before you approve anything.
Daniel's wife's ring needed two prongs retipped and the other four tightened. The whole repair cost $180 and three days. She'd been wearing that ring for eleven years and the diamond stayed put, but only because she came in when she did. Most people don't.