Insurance Appraisals in South Florida
Replacement-value appraisals for scheduling jewelry with your insurer, filing claims, and keeping coverage current as prices change. USPAP-compliant reports insurers accept without pushback.
G.I.A. Graduate Gemologist. Insured by Lloyd's of London. Mobile service throughout South Florida.
Why Insurance Appraisals Matter
Accurate Coverage
Without a current appraisal, your policy may underinsure or overinsure your jewelry, costing you at claim time.
Faster Claims
A detailed, itemized report speeds up claims processing if a piece is lost, stolen or damaged.
Keeps Pace With Value
Gold, diamond and gemstone prices move. We recommend updating appraisals every 2 to 3 years to reflect current replacement cost.
Coverage for Every Piece Worth Protecting
Engagement Rings & Wedding Sets
Diamond and gemstone rings, bands, and complete bridal sets.
Fine Jewelry Collections
Necklaces, bracelets, earrings and multi-piece collections scheduled together.
Luxury Watches
Rolex, Omega, Patek Philippe, Cartier and other fine timepieces.
Loose Diamonds & Gemstones
Unmounted stones held for future setting or as an investment.
Heirloom & Antique Pieces
Family pieces and antique jewelry requiring specialized valuation.
Designer Jewelry
Signed pieces from recognized design houses.
Our Insurance Appraisal Process
Schedule an Appointment
Book a convenient time. We come to you, or meet at your home, office, or bank vault.
Detailed Examination
Each piece is measured, graded and photographed using our mobile gem lab equipment.
Written Replacement-Value Report
A USPAP-compliant report itemizing each piece at current retail replacement cost.
Submit to Your Insurer
Use the report to schedule new coverage, update an existing policy, or support a claim.
Reports Insurers Accept Without Question
Jon Bragman is a G.I.A. Graduate Gemologist with 45+ years of experience, insured through Lloyd's of London. Every report is USPAP compliant and itemized at current replacement value, the standard insurers expect. Our mobile gem lab meets you at home, at your office, or wherever is most convenient, so your jewelry never has to leave your sight.
Schedule an Appraisal✓
G.I.A. Graduate Gemologist
Formal gemological credentials behind every identification and value.
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USPAP-Compliant Reports
Written to professional appraisal standards.
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Insured by Lloyd's of London
Fully insured, so you can hand over the details with confidence.
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45+ Years of Experience
Serving South Florida families, attorneys and collectors.
Insurance Appraisal FAQ
What is a replacement-value appraisal, and how is it different from fair market value?
Replacement value is the cost to replace an item with a comparable new piece at current retail prices, the figure insurers use for coverage. Fair market value is what a willing buyer would pay a willing seller, used for divorce, probate and bankruptcy matters. The two numbers can differ significantly, and replacement value is almost always higher.
How often should I update my jewelry insurance appraisal?
We recommend updating appraisals every 2 to 3 years, or sooner if gold and diamond prices move significantly. Most insurers also require a recent appraisal, typically within the last 3 to 5 years, to keep a scheduled item's coverage valid.
Will my insurance company accept your appraisal report?
Yes. Our reports are USPAP compliant and prepared by a G.I.A. Graduate Gemologist, the standard insurers look for. We regularly work with major carriers and can format documentation to match your insurer's specific requirements.
Do I need an appraisal for every piece, or just my most valuable items?
Most homeowners and renters policies have a per-item limit for jewelry, often $1,000 to $2,500, without a separate schedule. Any piece worth more than that limit should be individually appraised and scheduled to be fully covered.
How long does an insurance appraisal take?
Most appraisals are completed during a single visit, with the written report typically delivered within a few business days. Larger collections may take slightly longer.
Protect Your Collection Before You Need To
Schedule an insurance appraisal today. Our mobile gem lab comes to you anywhere in South Florida.