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A jewelry appraisal is a professional evaluation that verifies the authenticity, quality and value of your piece. They are commonly used for insurance replacement of the value of the piece in case something happens to it, whether that’s theft, loss, damage, or something else. An appraisal can also serve as proof of ownership in case of theft.
Which jewelry should I have appraised?
We recommend having any fine jewelry you own appraised, including engagement rings, antique jewelry, and heirloom or estate jewelry.
Where should I have my jewelry appraised?
It is important to trust the appraisal of your piece to an accredited, highly trained professional who has the right equipment and a reputation for integrity. All of these are key to receiving an accurate appraisal.
Two qualifications to look for include:
• AGS Certified Gemologist Appraiser: This credential means the professional inspecting and appraising your jewelry is one of the topmost authorities with a certification in Gemology. In addition to completing advanced training and passing the certification test, they also must routinely pass color vision screenings and recertification.
• GIA Graduate Gemologist: This prestigious credential requires a diploma in gemology and advanced technical expertise in evaluating gemstones by the 4Cs (color, clarity, cut, and carat weight). The Gemological Institute of America created the universal standard for diamond quality.
Before you drop your pieces off to be appraised, ask about the equipment used.
Here at State Street Jewelers, we are fully equipped with all the necessary instrumentation to do a complete appraisal service and we have both AGS Certified Gemologist Appraisers and GIA Graduate Gemologists on staff who complete all our appraisals.
How often should I have my jewelry appraised?
It is good to know that an appraisal is not just one and done; you should have your jewelry of greater value appraised around every 5 years due to fluctuations in market value. We generally encourage clients to get in touch with your insurance company to see how often they require an updated appraisal.
What are appraisals used for?
In the event of fire, theft or other loss of your jewelry, the appraisal value can be used in making insurance claims.
Check with your Homeowners Insurance to learn whether or not you have adequate coverage. In order to recoup the full replacement cost should something happen to your jewelry, you will want to make sure your coverage is comprehensive of all risks, including damage, theft, fire and so on. There are also insurance companies specifically for jewelry.
