Insurance Appraisals

This is the most common appraisal we perform. It estimates Retail Replacement Value, which is what it would cost to replace your item with a similar one, new, in a retail setting.

Why it matters:

• Helps resolve claims and disputes

• Prevents overpaying for insurance premiums

• Must be conducted by a certified, independent appraiser

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Estate appraisals assess fair market value based on current condition and are used for:

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• Probate and trust management

• Equitable asset distribution

• Selling or liquidation​

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“Estate jewelry” refers to any pre-owned item, vintage or modern. These appraisals differ from insurance valuations and consider resale environments such as auctions, private sales, or consignment.

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Appraising a diamond ring includes the evaluation of both:

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The Diamond: Weight, cut, color, clarity, enhancements, and any damage.

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Side stones: Weight, Cut, Color, Clarity, Enhancements, Count, and any damage.

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The Setting: Material, design, and craftsmanship.

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Appraisals can support insurance needs or help establish a fair resale value.

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While we don’t buy jewelry, we offer brokering services for high-end items:

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• Antique and designer jewelry

• Loose diamonds and watches (e.g., Rolex)

• Gold and platinum pieces

• Broken or unwanted jewelry with value

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This is separate from formal appraisals. We guide you on market options and help with discreet, efficient sales.