Insurance Replacement Appraisal
Protect what matters most with a professionally documented appraisal from a GIA Graduate Gemologist and Certified Master Appraiser.
What Is an Insurance Replacement Appraisal?
An insurance appraisal is a detailed professional evaluation used to establish the current retail replacement value of your jewelry. Unlike a resale or liquidation estimate, it determines what it would reasonably cost to replace the item with one of comparable materials, quality, craftsmanship, and design in the appropriate retail market.
Each appraisal should include a complete description of the jewelry; identification and grading of its diamonds, gemstones, and pearls; metal content; measurements; condition; workmanship; identifying marks; clear photographs; valuation date; market research; assumptions and limitations; and the appraiser's signed certification and qualifications.
This level of documentation gives your insurer the information needed to schedule appropriate coverage and helps ensure that a future repair or replacement is based on the actual characteristics of your jewelry — not merely a dollar amount.
What Your Appraisal Includes
Complete Description of the Jewelry
A thorough written description of the item's style, design, construction, and all identifying characteristics — documented to the standard required by insurance carriers.
Gemstone & Pearl Identification and Grading
Identification and grading of all diamonds, gemstones, and pearls, including species, variety, cut, color, clarity, carat weight, and any treatments — evaluated using professional gemological instruments.
Metal Content, Measurements & Workmanship
Identification of precious metal type and purity, precise measurements of the piece, and an assessment of the quality of craftsmanship and construction.
Condition & Identifying Marks
A candid evaluation of the item's current condition, including wear, damage, and repair considerations, along with any hallmarks, maker's marks, or other identifying features.
Photographs, Valuation Date & Market Research
Clear photographs of the item from multiple angles, the effective date of valuation, and current market research supporting the retail replacement value conclusion.
Assumptions, Limitations & Signed Certification
A statement of the assumptions and limiting conditions applicable to the appraisal, along with the appraiser's signed certification and professional qualifications.
The Appraisal Process
Schedule a Consultation
Contact Mark to arrange a convenient time to bring in your jewelry. Most appraisals are completed while you wait or within one business day.
Examination & Documentation
Each piece is carefully examined using professional gemological equipment. Measurements, weights, and quality grades are recorded with precision.
Market Research & Valuation
Current retail replacement values are researched using up-to-date market data, trade resources, and 38+ years of industry experience.
Receive Your Appraisal Document
You receive a professionally prepared, signed appraisal document suitable for submission directly to your insurance company or agent.
Frequently Asked Questions
How often should I update my appraisal?
Insurance companies and appraisal organizations generally recommend updating jewelry appraisals every 2–3 years. Precious metal and gemstone markets fluctuate, and an outdated appraisal may leave you significantly underinsured.
Will my jewelry leave my sight?
In most cases, appraisals are completed while you are present. If an item requires additional research or photography, arrangements are made with your full knowledge and consent.
Is this appraisal accepted by insurance companies?
Yes. Appraisals prepared by a Certified Master Appraiser (NAJA) and Graduate Gemologist (GIA) are widely accepted by insurance carriers and agents throughout the industry.
What should I bring?
Bring the jewelry you wish to have appraised. If you have any prior appraisals, receipts, or certificates (such as a GIA diamond grading report), bring those as well — they can be helpful but are not required.
Do you appraise all types of jewelry?
Yes. Mark appraises diamonds, colored gemstones, pearls, precious metals, fine watches, antique and estate jewelry, and contemporary pieces of all styles and origins.
Ready to Protect Your Jewelry?
Schedule a consultation today. Most appraisals are completed while you wait, and every piece is handled with the care and confidentiality it deserves.
Book a Consultation