Appraisal illustration

Free in-house appraisal

Insurance companies require an official appraisal, invoices, and certificates to insure your jewel. We provide our clients with free in-house appraisals with their purchases. For stones supplied by the client, we require copies of the stones’ certificates and a copy of the original invoice. In the event of a loss, the policyholder is entitled to a replacement in like, kind and quality. To be compensated adequately, the appraisal report contains a detailed description.

The evaluation must reflect the current retail market value. An exaggerated evaluation will result in higher insurance premiums. Undervalued coverage will not compensate for the cost of replacement. The most common reason for an appraisal is establishing the insurance replacement value. An insurance company will not cut you a check based solely on the appraised value of a lost, stolen, or damaged item. A replacement policy works.

An appraisal does not guarantee or certify a gemstone’s value. A diamond ring appraisal does not guarantee monetary value, given a changing market and other factors. However, the appraisal will help to understand the general value of your jewelry piece.

Professional appraisal

It is unethical for any jeweler to provide a referral to an independent appraiser. An accredited independent appraiser is a guardian of the client’s interests, working on their behalf to establish an independent and objective opinion of the item’s value.

microscope leon mege appraisal

Unlike “in-house” appraisal, an independent appraisal examines the quality of craftsmanship, materials, and gemstones; it compares the accompanying certification with the existing piece and verifies that all information matches precisely.

An independent appraisal is a document that identifies the item and contains a detailed description of the item and close-up images from every angle. The appraisal states the US dollar value and is signed by the examining appraiser.

Independent appraiser

An objective appraiser will never buy, sell or trade jewelry or gemstones. An appraiser can neither have any financial interest in any jewelry-related business nor be involved in sales, promotions or offers of any jewelry. An accredited professional will explain the process and all related charges and advise on which type of appraisal suits your needs.

Contact ASA or any other organization or association to verify the appraiser’s membership before hiring. There are many reasons to hire a professional appraiser:

  • To determine the fair market value for settling an estate
  • To evaluate an equitable distribution
  • To calculate a cash value
  • To amicably resolve the dissolution of the marriage
  • To assess tax-deductible charitable contributions
  • To assess damage for insurance and capital loss
  • To find out the real value of your inheritance

American Society of Appraisers (ASA)

Some associations of appraisers will award the title of an appraiser as long as they pay the membership dues. Others require intensive training and repeated testing every few years to stay current with changing standards and treatments. We endorse the ASA as a legitimate independent organization with strict membership criteria.


Visit the ASA website to select a qualified appraiser. We are not affiliated with or paid for by the American Society of Appraisers (ASA). We are not responsible for any services provided by these professionals.

An ASA appraiser will:

  • Conduct thorough research of the markets for the values needed
  • Explain the function and purpose of the appraisal
  • Respect the confidentiality of the client
  • Keep a record of the appraisal for at least five years
  • Complete the assignment within a reasonable time.
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