As a rule of thumb, having your jewelry appraised every five years is perfect adequate unless your insurance company requires it be done more often. It’s never a bad idea to stay aware of the changing market. If you see...
You may think that if you get your jewelry appraised immediately after purchase you are set for life. However appraisals are only valid for a limited period of time. Yout insurance company may not tell you it’s time to update...
Each written appraisal should contain the weight and measurement of the piece, identification, grade and measurements of all gemstones, value factors for each gemstone, the 4 C’s for diamonds, the value of the jewelry, an explanation of how the value...
I regularly see two mistakes that are made. One, the client asks for the value to be inflated and two is a complaint about the cost of the insurance. Today, the insurance companies have the buying power and the knowledge...
You ask a woman what kind of engagement ring she wants and generally the first thing she is going to mention is the cut of the diamond. Most ladies seem to be less concerned about what the ring is made...
Diamond clarity refers to the extent to which there are imperfections and blemishes in a particular diamond. A diamond that features major blemishes and inclusions is rated low on the diamond clarity scale. This is because such diamonds have flaws...
To determine the color quality of a diamond, the appraiser needs to look at it before it goes into a piece of jewelry though. When it is in a setting, the metal can actually make a clear diamond look as...
When you obtain a jewelry appraisal or report, you have the right to expect a professional treatment. Look for an appraiser who provides you with: 1) An estimate fee that is not based on the final appraisal value of your...
To properly interpret your diamond appraisal you will also need to know if the value is a “retail value” or “retail replacement value.” The difference between the two is important… most insurance companies and diamond laboratories recommend using a retail...
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...