Receiving a jewelry appraisal report is an important step in protecting and understanding the value of your jewelry. However, many clients are unsure how to read the document or what the information truly means. A professional appraisal contains detailed terminology and technical data that can feel confusing at first glance.
At Robinson’s Jewelers, we believe that an appraisal should not only document value—it should provide clarity and confidence.
This guide breaks down the key elements of a jewelry appraisal report and explains how to use it effectively.
A jewelry appraisal report is a professional document prepared by a certified appraiser that describes a piece of jewelry in detail and assigns a value based on specific criteria. The report is commonly used for insurance coverage, estate planning, resale considerations, or legal purposes.
An accurate appraisal ensures your jewelry is properly documented and protected.
While formats may vary, most appraisal reports include the following components:
This section outlines the physical characteristics of the piece, including:
Accurate descriptions are essential for identification and replacement purposes.
Gemstones are evaluated using recognized grading standards. For diamonds, this typically includes the 4 Cs:
For colored gemstones, grading may include color saturation, clarity, cut quality, and overall condition. These factors directly influence value.
Understanding valuation terminology is one of the most important parts of reading an appraisal.
These values are not interchangeable, and using the wrong one can lead to underinsurance or unrealistic resale expectations.
Professional appraisers base values on current market conditions, industry pricing, and comparable items. This section explains how the final value was determined and supports the credibility of the appraisal.
High-quality photographs are often included to visually document the piece. These images assist insurers, buyers, and legal professionals with identification and verification.
Provide your appraisal report to your insurance provider to ensure your jewelry is adequately covered. Updated appraisals help prevent gaps in coverage caused by market fluctuations.
Appraisals are often used during estate settlement, divorce proceedings, or asset division. Accurate documentation ensures fair and transparent outcomes.
If you plan to sell or trade a piece, your appraisal provides a professional reference point for understanding its market position.
Jewelry values change over time due to market trends, gemstone availability, and metal price fluctuations. Appraisals should be reviewed and updated every few years to ensure accuracy and continued protection.
A jewelry appraisal report should empower you, not confuse you. When clients understand what their appraisal contains and how to use it, they can make informed decisions about protection, planning, and future value.
At Robinson’s Jewelers, our goal is to provide transparent, professional appraisals that serve as trusted tools—not just paperwork.
If you have questions about your appraisal report, a qualified appraiser can help interpret the details and ensure it aligns with your goals. Understanding your jewelry is the first step toward protecting its value.
