Frequently Asked Questions

Who needs a jewelry appraiser?
A jewelry appraisal is required for a variety of reasons including insurance coverage, selling a piece of jewelry, and confirming the value of a piece of jewelry just bought. You will also need an appraisal for estate liquidation purposes (where Kim's expertise as an antique and estate jewelry appraiser is essential) and for a tax deduction if making a charitable donation.

Can't my jeweler appraise my jewelry?
As a graduate gemologist, Kim was professionally trained by the nationally recognized Gemological Institute of America to identify and grade diamonds and colored gemstones with no bias. She is a Certified Senior Member of the National Association of Jewelry Appraisers, an education, testing, and oversight organization.

How can a jewelry appraisal save me money?
Since it is common for retailers to put a value on appraisals of their own jewelry that is higher than the jewelry could be replaced for, it is important to have your jewelry professionally appraised. An Independent Jewelry Appraiser like Kim will provide an accurate (not inflated) appraisal. This means that you will not pay too much for replacement insurance.

What should a jewelry appraisal contain?
Kim's jewelry appraisals contain very detailed and specific information about each examined item. Acting in accordance with the Uniform Standards of Professional Appraisal Practice (USPAP), Kim ensures that your appraisal will contain all necessary information. This includes function and purpose of the appraisal, statement of value and value methodology, a detailed description of the appraised item and Kim's name and qualifications. Kim will also include a photograph of your jewelry for the purpose of design representation.

How much does insurance for jewelry cost?
In general, insurance will cost $10 for each $1,000 of jewelry value per year. So a $6,000 ring would cost $60 per year for a homeowner's insurance rider. However, you would need to speak to your insurance agent for specific costs on your policy.

How often should I have my jewelry appraisals updated?
Updating your jewelry appraisals every three years is usually adequate. However, valuable items should be updated more frequently. Prices of diamonds, precious metals, and colored gemstones often change from year-to-year and may fluctuate up or down depending on market conditions. It is important to be sure that you are fully protected in the unfortunate event of a loss. Appraisal updates are inexpensive and critical for keeping your jewelry appropriately covered.

If an item can't be replaced, should I have it insured?
Inherited jewelry can hold priceless sentimental value that cannot be replaced. But having that jewelry properly appraised and insured will protect the asset.

What if I don't want a written appraisal, just an opinion and ball park figure on my jewelry?
For a consultation fee, Kim is happy to identify your jewelry. However, Kim must thoroughly examine the item and conduct market research in order to give a value.

What can I do if I have a problem with an appraiser?
As a Certified Senior Member of the National Association of Jewelry Appraisers, Kim is held accountable to this professional organization and written complaints can be filed.