Appraisals

At Q & T Jewelry, we offer a host of complimentary services after your purchase, ranging from maintenance and cleaning of your jewelry to appraisal for insurance purposes. If you’ve bought your jewelry from another source, we are happy to appraise it for you. Our on-site appraiser will ensure that you know the value of your prized items, and she is available to answer any questions you may have.

Why do I need an appraisal?

There are many reasons to get jewelry appraised, but the most common reason is to determine the value of your jewelry for homeowner’s insurance. Some may wish to have their jewelry appraised for liquidation or for estate tax valuations. Others submit their jewelry for appraisal if they are getting a divorce or valuing the jewelry for collateral.

Appraisals are a critical part of insuring your jewelry.

Of course, no one can place a monetary value on your jewelry if it carries great sentimental or personal meaning. However, it’s still important to know the value of your jewelry. If you are seeking insurance for your piece, a sales receipt alone usually is not sufficient for an insurance company. Insurance companies will insure based on the value, not on the cost. Some insurance companies request regular appraisal updates, but even if your company doesn’t require this, it’s still a good idea to get them anyway.

  • Regularly scheduled appraisals are the best way to ensure that your jewelry is insured to its proper value.
  • If the market prices of precious metals, diamonds, and fine jewels rise or fall, it could change the value of your jewelry.
  • Vintage, antique, and collectible jewelry goes in and out of style, which may cause values to fluctuate.
  • Values rarely remain constant, and your policies should change accordingly.
  • At Q & T Jewelry, we recommend that you have your items appraised every 4-5 years.

    Regular appraisals can help you prove an insurance claim. An appraiser can attest to the quality, design, condition, and value of your jewelry. If a jewelry professional has inspected your collection several times over the years, the dated documentation can verify ownership and custody.

    Our appraiser

    Diana Zavala has been a Texas-based professional Gemologist and Jewelry Appraiser since 2007. She double majored in Accounting and Marketing at Texas State University and enjoyed a successful career in accounting and finance before discovering her fascination with gemstones. It was this attraction to gemstones that led her to study gemology.

    Diana currently has the following accreditations: Certificate of the Gemological Association (of Great Britain),  Registered Gemologist Appraiser (ISG), and Accredited Jewelry Professional (GIA).  She is affiliated with the National Association of Jewelry Appraisers (NAJA) and the Accredited Gemologists Association (AGA). Diana will obtain her FGA designation in 2017.