Insurance
$14,816
Replacement value
What a shop charges to replace it new
Work with talented, accredited jewelry appraisers near you or remote
46 states · 27 countries


2,533 makers
Known brands that may lift value
$108.28 a gram · 20 Aug
Insurance
$14,816
What a shop charges to replace it new
Open market
$6,182
What a private buyer pays
Trade
$3,091
What a dealer pays today
Graduate Gemologist (GG)
The grading qualification the trade trains on

CMA, CSM, Certified Member
Appraisal methodology, reports and USPAP

Accredited Senior Appraiser, Master Gemologist Appraiser
Peer-reviewed across personal property
Fellow (FGA), Diamond Diploma (DGA)
The British qualification outside North America
Certified Gemologist Appraiser
Retail credential re-examined every year
Certified Appraiser of Personal Property (CAPP)
Personal property for estates and claims
Checked with the issuing body before the page goes live
A percentage pays the appraiser more for a bigger number so most insurers reject the report
No booking fee no commission no lead sold on to three other people
Photographs and video in 27 countries. No search comes back empty
Depends on deliverables from your appraiser
Description and measurements
One ladies' platinum ring, photographed. Centre round brilliant-cut diamond, 6.42 – 6.47 × 3.98 mm, est. 1.08 ct. Colour G, clarity VS2, cut Excellent.
Tests performed
Refractive index, specific gravity, UV fluorescence. Examined at 10× and under darkfield. Centre stone natural, no evidence of treatment.
Value type and date
Retail replacement value, new, in the client's local retail market. Signed pieces by a known designer valued at the maker's current retail. Review every three years.
Signature and credential
Signed by a GIA Graduate Gemologist. USPAP compliant through 2027.
Gemological microscope
Refractometer
Fibre optic spectroscope
Raman spectrometer
Appraisal reportA darkfield microscope, refractometer and spectroscope sit on every bench. Hard calls go to a Raman, which reads a stone's molecular fingerprint without touching it.
46 states · 27 countries
A remote appraisal from photos or video is enough for many insurers to schedule a piece and enough for a resale or quick-sale estimate. High-value items usually need the stone examined in hand. Read the full answer
Most independents charge a flat fee per item commonly $100 to $200 or an hourly rate. Nobody here charges a percentage of the value because that pays the appraiser more for a higher number. Read the full answer
Every three years and after any repair or restyle. Metal and stone prices move and an out-of-date value is the most common reason a claim pays out short. Read the full answer
Replacement value is what a shop charges to sell you the piece new. A buyer pays what they can resell it for which is usually a fraction of that. Read the full answer
The piece and any paperwork you already have: the original receipt, a lab report, a previous appraisal. Bring the box too if the maker is marked on it. Read the full answer

Gem trading, design and the appraisal record under every insured piece
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