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Appraisals you can trust.
Why use an independent appraiser?
As an independent appraiser, I am not affiliated with any retail or online stores, and neither buy nor sell jewelry.
Asset Jewelry Appraisals will provide you with accurate appraisal reports based on current market values so you can obtain adequate insurance coverage. Inaccurate, biased, overvalued appraisals particularly being used for insurance scheduling are not in your best interest. If you have ever had to make an insurance claim for your car or personal property you understand how insurance companies work. Insurance companies have the option to compensate for a claim at the lowest potential cost to them. Why would an insurance company compensate you for a jewelry item appraised at $20k when you actually paid $10k for it? What this means is, that they can and will override over valued appraisal reports and simply compensate at a lower value or replace the jewelry item at the lowest cost to them. Overvalued appraisals do nothing more than drive up your monthly premium to keep the item insured.
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Why Should I Have My Jewelry Appraised?
1. You need an appraisal if you want to obtain insurance coverage.
2. You should have an appraisal if you plan to sell your jewelry or use it as collateral.
3. You need an appraisal to settle an estate or for fair distribution of gifts.
4. You need an appraisal to claim a casualty loss for your insurance company or the IRS.
5. You should have an appraisal for division of property in a divorce.
6. You need an appraisal for tax deduction of a charitable contribution.
7. You should have an appraisal for any dispute between you and a retailer.
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How Often do I Need My Jewelry Appraised?
The Insurance Institute of America recommends that jewelry be re-appraised every three to five years. If you have had a previous appraisal done by me updating your appraisal can be done quickly and inexpensively.
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