Insurance appraisals reflect retail replacement cost — what a jeweler would charge to remake the piece new today. FMV reflects the secondary market, which is typically 30-65% lower for most fine jewelry.

Insurance appraisals reflect retail replacement cost — what a jeweler would charge to remake the piece new today. FMV reflects the secondary market, which is typically 30-65% lower for most fine jewelry.

For IRS charitable donation deduction (pieces over $5,000 require a qualified appraisal), estate tax, divorce or estate division, or sale planning. Insurance renewals use replacement value instead.

For IRS charitable donation deduction (pieces over $5,000 require a qualified appraisal), estate tax, divorce or estate division, or sale planning. Insurance renewals use replacement value instead.

Our GIA-certified gemologist qualifies as a Qualified Appraiser for IRS purposes on personal property (jewelry). We provide all required documentation: appraiser credentials, methodology statement, and date-of-value certification.

Our GIA-certified gemologist qualifies as a Qualified Appraiser for IRS purposes on personal property (jewelry). We provide all required documentation: appraiser credentials, methodology statement, and date-of-value certification.