Ask a Gemologist by Mary L. Harding, G.G., N.J.A.
-Graduate Gemologist from Gemological Institute of America (GIA)
-Sr. Member of The National Association of Jewelry Appraisers (NAJA)

How do I pick a jewelry appraiser?
I believe the answer lies in the definition off what an appraisal is: An informed opinion as to the description, quality and value of an item. The value is also dependent upon the market which the appraisal is reflecting and any limiting conditions listed in the report.

Well, everyone has an opinion… but the definition says “informed opinion”. Therefore an appraiser should have the following:

1) Graduate Gemologist training
Graduate Gemologists are trained (and tested on their training) to identify gems, qualify the gems and describe the gem in specific language. This assures the appraisal will reflect the type and the value of the gemstone(s) in your jewelry. The gemological description provides proof of that value as well as the ability to replace “like with like” should you suffer a loss. Since gemology is not a static science, I also recommend the appraiser participates in an organization that encourages its members to keep up to date on gemological advances.

2) Experience
Since most jewelry often contains precious metals and is fashioned into a wearable form, the appraiser who has been exposed to manufacturing processes and design techniques is more experienced at identifying metals and manufacturing processes that can add value to your jewelry. Additionally, appraisers who attend gem and jewelry trade shows see current jewelry trends, pricing, availability and meet with the designers and gemstone suppliers who become a resource for their research.

3) Appraisal Affiliation
There are as many types of appraisals as there are purposes for acquiring one: insurance, estate, resale are just a few. Each purpose requires a specific type of appraisal and documentation of the research. Appraisers affiliated with appraisal organizations have this type of training and are encouraged by their organizations to remain current on appraisal techniques.

The education, experience and affiliations of your appraiser is the key to how well “informed” his or her opinion is which will be reflected in the quality of your appraisal.