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In-Store Diamond Appraisals: Worthwhile or Worthless?
Can you be confident that your in-store jewelry store appraisal is accurate in it's appraised value? Keep in mind that the in-house appraiser/gemologist is on the store payroll and as such the appraisal may be inflated to make the store look good and you feel better that you have gotten a great deal. It is not uncommon to see in-store appraisals that are two and three times the actual retail value of the item. This in turn unnecessarily increases your insurance premiums. Recouping such appraised value from the Insurance company for the item should it be lost or stolen may be very difficult. Keep in mind that a diamond that is mis-appraised by even one color and/or clarity grade may amount to a significant amount of money.
An Independent Appraiser is one who does NOT sell diamonds, gemstones, or jewelry and ONLY does appraisals for a living. Seriously consider getting your item independently appraised and make the final sale contingent on that.
If your item comes with a report or certificate from an accredited
laboratory, it's a good idea for an independent appraiser to coroborate that report.
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