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What is a Diamond Appraisal?

 

A diamond appraisal is an opinion of the diamond appraisers as to the authenticity, design, quality and diamond's monetary value.

 

The most common requests for jewelry appraisals come from clients that need insurance documentation as to the retail replacement value. Some additional functions of the diamond appraisal are estate, divorce (diamond ring appraisals) or donation situations that require a fair market value and liquidation which requires a liquidation value be established.

 

 

WHY YOU NEED AN EXPERT DIAMOND APPRAISER TO EVALUATE YOUR DIAMOND JEWELRY

The services of an independent, certified diamond appraiser are increasingly more important in today's complex jewelry market. Technolgical improvments have resulted in diamond treatments that border on ethical issues, consumers are very sophisticated due to the increased availability of educations materials found on the internet and as a result diamonds have gotten more costly. Not only does the consumer have to be concerned about possible misrepresentation with the basic 4 C's but now the questions one must ask have grow:

 

* Has the diamond or loose diamonds been treated with a temporary or permanent treatment?
* Is the subject diamond a real diamond, a synthetic diamond, a color-altered diamond, has it been laser treated and filled, or has it been totally misrepresented?
* How will I be assured that the stones will not be switched?
* Is the grading documentation (diamond appraisals) accurate?
* Is the grading documentation an online diamond appraisal, home appraisal or free online diamond appraisal?
* Has the diamond incurred any damage especially if the piece is a antique diamond ring or antique jewelry?
* Is the grading documentation genuine and unaltered?
* Do the certified diamonds match the grading documentation?
* Is the diamond cut correctly and does the grading documentation and photo provide enough information to make an educated decision?

 

DIAMOND APPRAISAL PROCESS

The actual appraisal process involves two primary components. The first is to grade the diamond and the second is to assign an appropriate value.

Included in the actual diamond appraisal are:

... a color photograph of the jewelry item
... a detailed description of the diamond
... metal content determination and weight
... gemstone identification including grading, measurements and weight calculation/estimation
... valuation at appropriate market level

The first part, gemology, is taught by GIA (Gemological Institute of America) and is a very scientific process. The ‘G.G.’ after most appraisers signature stands for Graduate Gemologist and is a diploma issued by GIA for expertise in gemology. The GIA teaches a detailed and systematic approach to grading involving a standardized examination environment, microscopic examination, comparison stones for color and a variety of tools for evaluating fluorescence, cutting, and treatments. This grading report is used to judge the overall quality of a gemstone.

THE 4 C'S OF DIAMOND GRADING

Most of the natural diamonds are formed in the earth's mantle at extremely high-pressure and high-temperature conditions. Formed from Carbon, the growth of diamonds occurs over periods from 1 billion to 3.3 billion years, which approximately represents 25% to 75% of the age of the Earth. Diamond also has relatively high optical dispersion (ability to disperse light of different colors) which results in its characteristic luster and its high desirability as a decorative precious gemstone. All diamonds share certain characteristics that allow us to compare and evaluate them. These characteristics are called the 4Cs.

CARAT

A diamond's weight is expressed in Carats. Each carat is divided into 100 points, which means that a 1 Carat stone equals 100 points. Some dealers will advertise a ring as 1.00 CTW, which means that all of the stones total one carat.

CLARITY

Each diamond has it's own characteristics. Many factors, including inclusions and blemishes, along with their size, colour and position, help us to determine a clarity grade. The difference between an inclusion and a blemish is that an inclusion is positioned within the stone, while a blemish is on the surface.

COLOR

Colourless diamonds are the most rare. Most diamonds have slight shades of yellow or brown. The GIA (Gemological Institute of America) color grading system uses the letters D through Z.


CUT

Cut is the only characteristic of a diamond derived from a human element. Cut is what gives a diamond it's brillance and fire.There are well over 250 different diamond cuts available and most gem-grade diamonds have 57 facets; the way these are done will have a great affect on the results of the diamond appraisal.

 

... Elisa J. Propst, GG

M. Gibbs, Ltd - Concord, NC

 

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