Most insurance claims on jewelry fail for the same reason: no documentation. An appraisal establishes what a piece is and what it's worth, in a form an insurer, an estate attorney, or a court will actually accept.
What we do
- Insurance replacement appraisals
- Estate and probate valuations
- Fair market value appraisals
- Diamond and gemstone identification and grading
- Metal testing and karat verification
- Updated appraisals on previously valued pieces
- Documentation and photography for your records
What's involved
We examine and test the piece, identify and measure the stones, verify the metal, photograph everything, and issue a written report with a stated value and the basis for it. You keep the documentation for your insurer, your estate file, or your own records.
Values move. An appraisal written a decade ago likely understates replacement cost today, which means you may be insured for meaningfully less than the piece would cost to replace. We recommend updating appraisals every three to five years.
Appraisals are performed on site, and when scheduled that way your jewelry stays in front of you the entire time.
Common questions
Do I need an appraisal for insurance? Most insurers require one to schedule jewelry on a policy, and nearly all require one to pay out a claim at full value.
Is the appraised value what I could sell it for? No. Insurance replacement value is what it would cost to replace the piece at retail, which is typically higher than resale. Tell us the purpose and we'll write the appropriate type.
How long does it take? Straightforward pieces are often completed during your appointment. Complex or multi-stone pieces take longer.
More answers in our Jewelry Guide.
Schedule an Appointment
Bring your pieces in and we'll explain which type of appraisal you need and what it costs before any work begins.
Jewelry Repair of Atlanta · 75 John Portman Blvd NW, Suite 8W356A, Atlanta, GA 30303 · (404) 566-7596 · Monday–Friday, 9:00 AM–6:00 PM. Appointment required.