What is an Appraisal?

A jewelry appraisal is a written statement of the authenticity, quality, design, and value of a piece of jewelry. A detailed, accurate appraisal is needed to protect your interest and serves as proof of ownership.

Jewelry is appraised to comply with the requirements of the insurance company to validate a rider added to a policy. An appraisal is needed for verification to cover an amount above the scheduled minimum.

*Note: Most renters and homeowners policies offer minimum coverage of all unscheduled personal property including jewelry.

The Appraisal Will Describe:

• The setting, purity or karat, gram weight, method of manufacture, condition, style, stamps and engravings.
• The major stone, shape, size, carat weight, clarity, variety, and origin (natural or man-made)
• Minor stones, including shape, size, weight, color, clarity and condition.
• Total gem weight will be listed and a digital photograph attached

The appraisal will provide enough information to replace the item with one of like size, quality and value in the event of loss or damage, retail comparisons, estate sale or resale.