Know the piece. Understand its value.

Begin with the reason for the appraisal

Tell the appraiser whether you need documentation for insurance, an estate, or another purpose. A value developed for one purpose should not automatically be treated as an expected selling price. Ask the appraiser to explain the type of value used in the report.

Ask about qualifications

Ask about gemological education, appraisal training, experience with your type of jewelry, fees, and what the report will contain. GIA explains that it does not provide jewelry appraisals itself; a grading report and an appraisal serve different purposes.

Bring the story and the paperwork

Bring receipts, prior appraisals, grading reports, and information about alterations. Ask whether photographs, identifying details, and a description of the materials and stones will be included. Keep a copy somewhere separate from the jewelry.

Coordinate with your insurer

Before paying for an appraisal, ask the insurer what it requires and when updates are needed. Requirements are not identical across carriers. An appraisal documents an opinion of value; the insurance contract determines how a covered claim is handled.

Related reading

• Jewelry Appraisals Explained: What They Tell You and When to Update Them
• When Is Jewelry Valuable Enough to Insure?