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Carrollton Jewelry Appraiser
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Dallas Jewelry Appraiser Guide to Jewelry Appraisals

What is a Jewelry Appraisal?

An appraisal is a document that describes an item, assesses its relative quality and assigns a value to it. Descriptions usually cover the visible, measurable and analyzable facts about the item (weight, materials, markings). Most jewelry appraisals also describe subjective features such as gemstone quality, relative rarity and overall quality of manufacture. Jewelry appraisals should not be confused with diamond or gemstone grading reports.

Jewelry Appraisals for Insurance

The point of insurance is to return the value of the item. Therefore, insurance appraisals should reflect the realistic cost of replacing an item in a jewelry store that regularly sells the type of item being appraised.

Fair market value appraisals

Reflect an actual selling price between a willing buyer and seller, when neither is compelled by time or need to buy or sell in the item’s most common market. Fair market value must represent the item’s value in its current (used) condition.

Immediate liquidation value appraisals

Usually reflect low values because of the situations that create their need. Divorce settlements and some types of estate liquidations may require this type of appraisal, depending upon the jurisdiction where the scenario takes place.

How to Find a Trustworthy Jewelry Appraiser

Appraisal Credentials: A professional jewelry appraiser should be certified or titled by a respected national appraisal organization, like the National Association of Jewelry Appraisers. Different types of appraisals require varying levels of training.

Gemological Credentials: With no federal or state requirements for appraisers, it is crucial to ask for credentials. A Graduate Gemologist diploma from the GIA or its equivalent should be considered minimum gemological training.

Knowledge of Jewelry Manufacture: A qualified jewelry appraiser must understand manufacturing techniques and recognize their contributions to the value of an item.

Continuing Education: Continuing education certificates and credentials help ensure that the appraiser is knowledgeable about the latest gemological and appraisal issues.

Jewelry and Appraisal Experience: A broad range of jewelry experience over many years often leads to a more knowledgeable appraiser. Likewise, solid experience in the appraisal industry is equally important.

High Ethical Standards and Awareness of Legal Obligations: Appraisers should adhere to the highest levels of professional behavior. Consider the appraiser’s professional affiliations, as well as the appraiser’s reputation within the industry. Ideally, work with a jewelry appraiser associated with Jewelers of America, our members commit annually to the highest ethical standards.

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