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Reasons for Getting an Independent Jewelry Appraisal

There are many reasons for having your jewelry appraised. The most common reason is for the purpose of insurance replacement, the key word being replacement. It is a common misconception that an insurance company will simply cut you a check based solely on the appraised value of a lost, stolen, or damaged jewelry item. That is not how a replacement policy works.

In the event of a loss, the policy holder is entitled to replacement (there’s that word again) in like, kind and quality. In order to be compensated adequately, the detailed description provided in the appraisal report becomes paramount! Of course, the value needs to be supported by the description as well and must also reflect the current retail market. If an item is evaluated too high, that means overpaying on insurance premiums. If it is undervalued, also referred to upside down, then the money received based on the appraised value will not cover the cost of replacement.

Ben walks you through the entire process of what he’s looking for, what he sees, and how your jewelry becomes appraised at the value that he assigns. What price would you place on feeling comfortable that you are getting real information that is certified and would hold up for your insurance company should anything ever happen. Ben will educate you about your jewelry and also recommend insurance companies should anything ever happen. Ben will also discuss how to care for your jewelry.

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