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An appraisal is a professional binding document that clearly describes an item of personal property. The document states specific descriptions and details about the item along with the purpose and function of the appraisal. The appraisal is carefully prepared by a professional holding a G.G (Graduate Gemologist), degree from GIA (Gemological Institute of America).
In today's world, appraising has grown into a science and profession unto itself. Some jewelers offer "appraisal services", but are not competent as appraisers even though they may be knowledgeable in gemology and successful in their business. To be recognized as an appaiser, you need to have a proper education. It requires commitment, equipment, a research library and advanced training.
Above all, the most important elements in a professional appraisal service are, the appraisers knowledge, integrity and professional attitude.
Insurance Replacement
The most common appraisal is the insurance replacement, which provides the customer with a statement of replacement cost which will assure a replacement of equal quality and value. Most major insurance companies require jewelry to be listed on a separate "rider" and insured separately from other household items. They offer replacement insurance and normally charge 1 to 2% of the appraised value annually. The usual prerequisite is a qualified "Appraisal" document.
Estate
This type of appraisal is done to settle an estate of a deceased person with tax consequences to the heirs. Appraising for tax purposes is a highly specialized task.
Donation
Another type of appraisal involving tax consequences is one done to account for tax deductions taken for donations. Some appraisals provide the information necessary for liquidation, possibly required after a death or divorce in the family.
Preparation
Be Prepared to Leave Your Jewelry with the Appraiser:
Properly done appraisals require thorough study and examination of the jewelry. Items are cleaned and checked for loose stones and damaged mountings. The amount of time required for an appraisal is determined by the number and complexity of the pieces. Multiple center diamonds require additional time and detail. The appraiser will complete a detailed appraisal take-in form, which you should be given a copy of, including a description of all merchandise and an agreement of the estimated value.
Have Your Jewelry Appraisals Updated Approximately Every Two Years:
This is important so that your jewelry is not over or under-insured. Your appraisal will always be current with changing gemstone and metal values.
When Purchasing a New Piece of Jewelry, Ask for a Documentation of Sale:
The seller has first-hand knowledge of all of the components of the jewery and will provide the most accurate description of the weight and quality of the gemstones and mountings.
Items Purchased at Gross Diamond Co.:
Your receipt is proof of purchase and can be used for insurance needs if the insurance company does not require an appraisal. Appraisals can be issued free of charge (update excluded) at the customer’s request for any item purchased at GDC. Appraisals should be updated every two years. Policies vary; please consult your insurance agent.