Frequently Asked Questions

Everything you need to know before
your appointment

We’ve answered common questions about our appraisal services to help you feel confident before your appointment.

Insurance & Replacement Appraisals

If you’re unsure which service you need, we’re happy to guide you.

What is a Retail replacement  appraisal?

Do I need an appraisal for insurance?

How often should I update my jewelry appraisal?

What is a Retail replacement appraisal?

A retail replacement appraisal is a formal document that determines the current cost to replace your jewelry with one of similar quality in today’s retail market. This value is used for insurance coverage and reflects what it would cost to restore your item in the event of loss, damage, or theft—not resale value or original purchase price.

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Do I need an appraisal for insurance?

We recommend insuring jewelry valued at $1,000 or more. A professional jewelry appraisal provides the documentation your insurance company uses to determine coverage and payout in the event of a claim.

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How often should I update my jewelry appraisal?

Most insurance companies recommend updating your jewelry appraisal every 2–3 years. Market values for precious metals and gemstones change over time, and outdated appraisals can result in insufficient coverage.

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When do I need an estate appraisal?

Estate appraisals are commonly needed for probate, inheritance, tax reporting, charitable donations, or asset distribution. They ensure accurate and fair valuation in legal and financial situations.  

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What Jewelry should i have Appraised?

Anything you would consider insuring is worth evaluating. This often includes items valued at $1,000 or more.

Common items include:

Engagement rings & wedding bands
Diamond and gemstone jewelry
Watches
Loose stones
Antique and estate jewelry
Fine gold and platinum pieces

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Do I have to  leave my jewelry with you?

No. All examinations are completed while you wait—no overnight drop-offs or shipping. Your items remain in your possession throughout the process.  

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How long does it take to get my appraisal?

Most reports are delivered within 24 hours. Larger or more complex collections may take longer, and timing will be discussed during your appointment.  

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What should I bring to my appointment?

Bring your jewelry along with any receipts, previous appraisals, or gemstone certificates if available. These can help improve accuracy but are not required.

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What information is included in an appraisal?

Each report includes detailed descriptions, measurements, gemstone characteristics, photographs, and a professional value assessment based on current market data.  

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Are you certified appraisers?

Yes. We are certified by the Gemological Institute of America (GIA) and members of the National Association of Jewelry Appraisers (NAJA). All appraisals follow USPAP standards. 

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Do you offer on-site appraisals?

Yes. We offer on-site services for larger collections or estates, including appointments in homes, banks, or other secure locations.  

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Can you help me sell my jewelry?

Yes. We offer brokerage services to connect your jewelry with qualified buyers and help you achieve the best possible price. 

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Should I get an appraisal if I want to sell my jewelry?

Retail replacement appraisals are not intended for resale. Instead, market value assessments or brokerage services are better suited for selling your items.  

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Still have questions?

We're happy to walk you through the process