5707 Grove Avenue #200, Richmond, VA | M-F, 10:30am–4:30pm | Mazza Trunk Show, Nov. 10-11

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Jewelry Appraisals

Fine jewelry appraisal at Victoria Charles

An Exclusive Service for Your Jewelry Collection

We prepare written appraisals for insurance, estates, and division of property, documenting each piece properly so it stands up when it matters.

Who Does the Appraising

Appraisals here are prepared by Janie Livingston, a Graduate Gemologist (GIA) and Independent Certified Gemologist Appraiser (AGS), with nearly three decades of experience evaluating fine jewelry.

Why You Need an Appraisal

For Insurance Coverage

Insurance providers often require a detailed valuation and comprehensive description before extending coverage. Periodic updates are recommended as precious metal and gemstone markets fluctuate over time.

For Estate Planning and Settlement

We document collections at fair market value to ensure an accurate representation of worth for estate planning or distribution after a loss. Fair market value differs from retail replacement value, and we guide you on the precise valuation appropriate for your needs.

For Personal Clarity

Whether evaluating heirloom pieces or determining if a treasured item warrants insurance, an appraisal provides formal insight and peace of mind.

How an Appraisal Works

  1. 1
    Call to Schedule

    Call us to schedule your drop-off. We will then schedule a time for our appraiser to review your pieces.

  2. 2
    Examination

    Metal is tested, stones are measured and graded under magnification, hallmarks and maker's marks are researched, and the piece is weighed and photographed.

  3. 3
    Research & Valuation

    We establish current market value for the specific piece, at the value type you need, whether that is replacement value for insurance or fair market value for an estate.

  4. 4
    The Written Appraisal

    You receive a formal document with photographs, full descriptions, measurements, grading detail, the value type stated plainly, and a signature. It is formatted to be accepted by insurers.

Questions

Do I have to leave my jewelry with you?
Yes, but you do not have to leave it overnight.
How often should an appraisal be updated?
Every three to five years for insurance purposes. An outdated appraisal can leave a piece underinsured by a wide margin.
What is the difference between replacement value and fair market value?
Replacement value is what it would cost to replace the piece today at retail, and it is what insurers want. Fair market value is what it would sell for between a willing buyer and seller, and it is what estates and property division need. The same piece can carry very different numbers under each type of appraisal.
Will you appraise jewelry I did not buy from you?
Yes.
Can you appraise a loose diamond?
Yes. 

Come Find Out What You Have