Since the majority of appraisals done are of the “Insurance Replacement” type, insurance companies expect the completed appraisal to be in a certain form. By doing this, in case of loss, the insurance company can accurately determine the details of...
Continue Reading →
The cost of jewelry insurance can vary from 1.5% down to 1% of the value of the appraised piece of jewelry or watch.  The higher the deductable the lower the percentage charged per $100.00.  As an example, if you choose...
Continue Reading →
The services of an independent appraiser are increasingly of importance in today’s complex market environment. As consumers have grown in sophistication and education, diamonds have gotten more costly, and many previously unheard of treatments and ethical issues have arisen, as...
Continue Reading →
A diamond is one of the only purchases you’ll make that can cost a lot of money and you potentially have very little understanding of why?  When doing an appraisal, I love having a GIA diamond grading report to work...
Continue Reading →
I do a lot of jewelry appraisals mostly for insurance replacement.  I don’t think a week goes by where I’m not appraising a new engagement ring purchased to replace one that was either lost or stolen.  Many of these replacements...
Continue Reading →
And here it is…the Macdaddy of gem instruments…the microscope!  My MarkV Gemolite is a classic.  Like a 1962 Ferrari 250 GTO but way less expensive.  The microscope is used to grade diamond clarity, identify colored stones by their inclusions, distinguishing...
Continue Reading →
This is an electronic gauge and it’s used to measure gemstones…I probably use this more than anything for appraisal work. I can measure a gemstone then apply a formula to estimate the weight.   It’ll measure in hundredths of millimeters.  That’s...
Continue Reading →
A lot of people ask how I became a graduate gemologist and appraiser,  and about the instruments I use.  Here’s the refractometer…it’s one of the most important tools.  It measures the refractive index and helps me to identify gemstones.  It’s...
Continue Reading →
Is the appraiser independent or is she an employee of the seller? Where did the appraiser receive her appraisal training and what are her professional designations? Does she belong to professional appraisal groups? Will the appraiser provide names of clients...
Continue Reading →
An insurance appraisal is a description and valuation of property. The value stated on the appraisal is the opinion of the appraiser based on her research and experience.  Insurance appraisals are done for many reasons ranging from a need to...
Continue Reading →