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T h e D i f f e r e n c e B e t w e e n J e w e l r y L a b C e r t i f i c a t e s a n d A p p r a i s a l s
M o s t p e o p l e h a v e b o t h j e w e l r y l a b c e r t i f i c a t e s a n d a p p r a i s a l s f o r t h e i r v a l u a b l e j e w e l r y , b u t t h e t w o d o c u m e n t s a r e n o t o n e i n t h e s a m e . T h e y s e r v e d i f f e r e n t p u r p o s e s a n d c o n t a i n a d i f f e r e n t s e t o f i n f o r m a t i o n t h a t i s h e l p f u l t o j e w e l r y o w n e r s , a s w e l l a s t o p e o p l e w h o a r e l o o k i n g f o r n e w j e w e l r y t o p u r c h a s e .
J e w e l r y l a b c e r t i f i c a t e s a n d a p p r a i s a l s o f t e n g o h a n d i n h a n d , b u t t h e l a b c e r t i f i c a t e i s a d o c u m e n t t h a t d e s c r i b e s i n f o r m a t i o n a b o u t a n u n m o u n t e d g e m s t o n e , l i k e a d i a m o n d t h a t h a s n o t b e e n s e t i n t o a n y p i e c e o f j e w e l r y , w h i l e t h e a p p r a i s a l p r o v i d e s d e t a i l e d i n f o r m a t i o n o n t h e m a r k e t v a l u e o f a p i e c e o f j e w e l r y , w h e t h e r i t i s u n m o u n t e d o r a l r e a d y s e t a s a r i n g , e a r r i n g s , o r n e c k l a c e f o r e x a m p l e .
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W h e n s e l e c t i n g j e w e l r y l a b c e r t i f i c a t e s a n d a p p r a i s a l s o n j e w e l r y t h a t y o u a r e c o n s i d e r i n g t o p u r c h a s e , i t i s b e s t t o s e l e c t a n i n d e p e n d e n t c o m p a n y t h a t p r o v i d e s t h e s e d o c u m e n t s r a t h e r t h a n r e l y o n t h e d o c u m e n t s c r e a t e d b y t h e c o m p a n y t h a t y o u a r e p l a n n i n g t o b u y y o u r j e w e l r y f r o m . O t h e r w i s e , y o u f a c e t h e p o t e n t i a l f o r t h e l a b o r a p p r a i s e r t o b e b i a s e d , s i n c e t h e y w i l l b e n e f i t f r o m t h e s a l e o f j e w e l r y .
I f y o u a l r e a d y h a v e j e w e l r y l a b c e r t i f i c a t e s a n d a p p r a i s a l s o n y o u r e x i s t i n g j e w e l r y , b u t a r e u n s u r e o f t h e i r a c c u r a c y , i t m a y b e w o r t h w h i l e t o h a v e y o u r i t e m s a p p r a i s e d a g a i n t o s e e w h a t t h e i r c u r r e n t m a r k e t v a l u e i s .
J e w e l r y L a b C e r t i f i c a t e s
J e w e l r y l a b c e r t i f i c a t e s a r e w r i t t e n r e p o r t s t h a t d e t a i l u n m o u n t e d g e m s t o n e s r a t h e r t h a n c o m p l e t e d p i e c e s o f j e w e l r y . T h e c e r t i f i c a t e s i n c l u d e i n f o r m a t i o n a b o u t t h e d i a m o n d s ( o r o t h e r g e m s t o n e ) c u t a n d s h a p e , a s w e l l a s t h e s t o n e ' s c o l o r a n d c l a r i t y g r a d e s a s d e c i d e d b y t h e G e m o l o g i c a l I n s t i t u t e o f A m e r i c a ( G I A ) . L a b c e r t i f i c a t e s c o n t a i n s p e c i f i c s a b o u t t h e c a r a t w e i g h t a s w e l l a s t h e d i m e n s i o n s o f t h e d i a m o n d , t a k i n g i n t o a c c o u n t t h e s t o n e ' s a n g l e s .
O n c e t h e l a b c e r t i f i c a t e i s d r a w n u p , i t s h o u l d n o t c h a n g e u n l e s s t h e s t o n e i s p h y s i c a l l y a l t e r e d o r i t i s f o u n d a t a l a t e r d a t e t h a t t h e g e m s t o n e w a s e v a l u a t e d i n c o r r e c t l y t h e f i r s t t i m e .
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T h e e n t i r e r e a s o n p e o p l e o b t a i n j e w e l r y l a b c e r t i f i c a t e s a n d a p p r a i s a l s i s t o d o c u m e n t t h e d o l l a r v a l u e o f t h e d i a m o n d , w h e t h e r i t i s f o r p e r s o n a l i n v e s t m e n t p u r p o s e s , o r i n o r d e r t o h a v e a p h y s i c a l r e c o r d o f t h e g e m s t o n e f o r i n s u r a n c e p u r p o s e s . I t i s a l s o g r e a t d o c u m e n t a t i o n t o h a v e i f y o u e v e r d e c i d e t o s e l l y o u r j e w e l r y a t a f u t u r e d a t e , o r p a s s i t d o w n t o f a m i l y m e m b e r s .
I t i s w i s e t o h a v e y o u r e x i s t i n g v a l u a b l e j e w e l r y a p p r a i s e d i n c a s e i t i s s t o l e n , o r i n t h e e v e n t y o u g o t h r o u g h a d i v o r c e o r e s t a t e s e t t l e m e n t . B e f o r e p u r c h a s i n g a n e w p i e c e o f j e w e l r y y o u c a n a l s o g e t i t a p p r a i s e d t o g e t a g o o d i d e a w h a t t h e m a r k e t v a l u e i s o n t h e p i e c e b e f o r e s h e l l i n g o u t l a r g e a m o u n t s o f m o n e y t o p a y f o r i t i f i t i s n ' t w o r t h t h e a m o u n t o f m o n e y t h e y a r e a s k i n g f o r t h e p i e c e .
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f Most people have both jewelry lab certificates and appraisals for their valuable jewelry, but the two s V A : s e s s A e : s l s e : s s A s : A e e A O s : A l s : e e O A A H A e l A e V : l s s : l s s O l A V l A V : H s O : A s e A O : s l A z l s A e : A e e A O s : : s z A : A s e : A s : 2
a documents are not one in the same. They serve different purposes and contain a different set of s s e z e s A V : l O e : s s A : s s e : A s : A s e : V l e : : : s e s : V e O s e : s A H H e O e s A : s z O s s V e V : l s s : e s s A l A s : l : s A H H e O e s A : V e A : s H : 2
d information that is helpful to jewelry owners, as well as to people who are looking for new jewelry A s H s O l A A s s : A s l A : A V : s e A s H z A : A s : A e e A O s : s s e O V : : l V : e A A : l V : A s : s e s s A e : s s : l O e : A s s z A s s : H s O : s e : A e e A O s : 2
to purchase.A s : s z O e s l V e : - - 2
e Jewelry lab certificates and appraisals often go hand in hand, but the lab certificate is a document ^ e e A O s : A l s : e e O A A H A e l A e V : l s s : l s s O l A V l A V : s H A e s : s s : s l s s : A s : s l s s : : s z A : A s e : A l s : e e O A A H A e l A e : A V : l : s s e z e s A : 2
c that describes information about an unmounted gem stone, like a diamond that has not been set into tA s l A : s e V e O A s e V : A s H s O l A A s s : l s s z A : l s : z s s z s A e s : s e : V A s s e : : A A z e : l : s A l s s s : A s l A : s l V : s s A : s e e s : V e A : A s A s : 2
a any piece of jewelry, while the appraisal provides detailed information on the market value of a l s s : s A e e e : s H : A e e A O s : : s A A e : A s e : l s s O l A V l A : s O s s A s e V : s e A l A A e s : A s H s O l A A s s : s s : A s e : l O z e A : s l A z e : s H : l : s 2
H piece of jewelry, whether it is unmounted or already set as a ring, earrs A e e e : s H : A e e A O s : : s e A s e O : A A : A V : z s s z s A e s : s O : l A O e l s s : V e A : l V : l : O A s s : : e l O O 4 2
ings, or necklace for example.A s s V : : s O : s e e z A l e e : H s O : e s l s A e : - 1 2
$ Choosing Labs and Appraisals z z z ^ A z z : z z ^ : z z z : z z ^ z A ^ z A ^ - 2
A^ When selecting jewelry lab certificates and appraisals on jewelry that you are considering to s e s : V e A e e A A s s : A e e A O s : A l s : e e O A A H A e l A e V : l s s : l s s O l A V l A V : s s : A e e A O s : A s l A : s s z : l O e : e s s V A s e O A s s : A s : 2
Ke purchase, it is best to select an independent company that provides these documents rather than rely s z O e s l V e : : A A : A V : s e V A : A s : V e A e e A : l s : A s s e s e s s e s A : e s s l s s : A s l A : s O s s A s e V : A s e V e : s s e z e s A V : O l A s e O : A s l s : O e A s : 2
UY on the documents created by the company that you are planning to buy your jewelry from. s s : A s e : s s e z e s A V : e O e l A e s : s s : A s e : e s s l s s : A s l A : s s z : l O e : s A l s s A s s : A s : s z s : s s z O : A e e A O s : H O s : : : 2
_f Otherwise, you face the potential for the lab or appraiser to be biased, since they will benefit from A s e O A V e : : s s z : H l e e : A s e : s s A e s A A l A : H s O : A s e : A l s : s O : l s s O l A V e O : A s : s e : s A l V e s : : V A s e e : A s e s : A A A : s e s e H A A : H O s : % 2
i the sale of jewelry.A s e : V l A e : s H : A e e A O s : 2
} e If you already have jewelry lab certificates and appraisals on your existing jewelry, but are unsure O H : s s z : l A O e l s s : s l s e : A e e A O s : A l s : e e O A A H A e l A e V : l s s : l s s O l A V l A V : s s : s s z O : e s A V A A s s : A e e A O s : : s z A : l O e : z s V z O e : 2
e of their accuracy, it may be worthwhile to have your items appraised again to see what their current s H : A s e A O : l e e z O l e s : : A A : l s : s e : s O A s s A A e : A s : s l s e : s s z O : A A e V : l s s O l A V e s : l s l A s : A s : V e e : s l A : A s e A O : e z O O e s A : 2
market value is. l O z e A : s l A z e : A V : - + 2
! Jewelry Lab Certificatesl l l A ^ l : z z : l ^ A A A A l z A l ^ - 2
#c Jewelry lab certificates are written reports that detail unmounted gemstones rather than completed t^ e e A O s : A l s : e e O A A H A e l A e V : l O e : O A A A e s : O e s s O A V : A s l A : s e A l A A : z s s z s A e s : s e V A s s e V : O l A s e O : A s l s : e s s A e A e s : 2
$d pieces of jewelry. The certificates include information about the diamonds (or other gemstone) cut s A e e e V : s H : A e e A O s : : : s e : e e O A A H A e l A e V : A s e A z s e : A s H s O l A A s s : l s s z A : A s e : s A l s s s V : O s O : s A s e O : s e V A s s e O : e z A : 2
%f and shape, as well as the stone’s color and clarity grades as decided by the Gemological Institute of l s s : V s l s e : : l V : e A A : l V : A s e : V A s s e $ V : e s A s O : l s s : e A l O A A s : s O l s e V : l V : s e e A s e s : s s : A s e : e s A s s A e l A : O s V A A A z A e : s H : 2
&d America (GIA). Lab certificates contain specifics about the carat weight as well as the dimensions e O A e l : O O O : : : l s : e e O A A H A e l A e V : e s s A l A s : V s e e A H A e V : l s s z A : A s e : e l O l A : e A s s A : l V : e A A : l V : A s e : s A e s V A s s V : ] 2
‘9 of the diamond, taking into account the stone’s angles. s H : A s e : s A l s s s : : A l z A s s : A s A s : l e e s z s A : A s e : V A s s e $ V : l s s A e V : : : 2
*k Once the lab certificate is drawn up, it should not change unless the stone is physically altered or it is s e e : A s e : A l s : e e O A A H A e l A e : A V : s O l s : z s : : A A : V s s z A s : s s A : e s l s s e : z s A e V V : A s e : V A s s e : A V : s s s V A e l A A s : l A A e O e s : s O : A A : A V : 2
+R found at a later date that the gem stone was evaluated incorrectly the first time.H s z s s : l A : l : A l A e O : s l A e : A s l A : A s e : s e : V A s s e : l V : e s l A z l A e s : A s e s O O e e A A s : A s e : H A O V A : A A e : - ” 2
:- Jewelry Appraisalsl l l A ^ l : z z ^ z A ^ z A ^ - 2
W/b The entire reason people obtain jewelry lab certificates and appraisals is to document the dollar s e : e s A A O e : O e l V s s : s e s s A e : s s A l A s : A e e A O s : A l s : e e O A A H A e l A e V : l s s : l s s O l A V l A V : A V : A s : s s e z e s A : A s e : s s A A l O : 2
a0e value of the diamond, whether it is for personal investment purposes, or in order to have a physical s l A z e : s H : A s e : s A l s s s : : s e A s e O : A A : A V : H s O : s e O V s s l A : A s s e V A e s A : s z O s s V e V : : s O : A s : s O s e O : A s : s l s e : l : s s s V A e l A : 2
k1d record of the gem stone for insurance purposes. It is also great documentation to have if you ever O e e s O s : s H : A s e : s e : V A s s e : H s O : A s V z O l s e e : s z O s s V e V : : : O A : A V : l A V s : s O e l A : s s e z e s A l A A s s : A s : s l s e : A H : s s z : e s e O : 2
u2R decide to sell your jewelry at a future date, or pass it down to family members. s e e A s e : A s : V e A A : s s z O : A e e A O s : l A : l : H z A z O e : s l A e : : s O : s l V V : A A : s s s : A s : H l A A s : e s e O V : : : 2
4i It is wise to have your existing valuable jewelry appraised in case it is stolen, or in the event you go O A : A V : A V e : A s : s l s e : s s z O : e s A V A A s s : s l A z l s A e : A e e A O s : l s s O l A V e s : A s : e l V e : A A : A V : V A s A e s : : s O : A s : A s e : e s e s A : s s z : s s : 2
5f through a divorce or estate settlement. Before purchasing a new piece of jewelry you can also get it A s O s z s s : l : s A s s O e e : s O : e V A l A e : V e A A A e e s A : : : e H s O e : s z O e s l V A s s : l : s e : s A e e e : s H : A e e A O s : s s z : e l s : l A V s : s e A : A A : 2
6e appraised to get a good idea what the market value is on the piece before shelling out large amounts l s s O l A V e s : A s : s e A : l : s s s s : A s e l : s l A : A s e : l O z e A : s l A z e : A V : s s : A s e : s A e e e : s e H s O e : V s e A A A s s : s z A : A l O s e : l s z s A V : 2
7Z of money to pay for it if it isn’t worth the amount of money they are asking for the pieces H : s s e s : A s : s l s : H s O : A A : A H : A A : A V s $ A : s O A s : A s e : l s z s A : s H : s s e s : A s e s : l O e : l V z A s s : H s O : A s e : s A e e e 2
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> J J q J J `J `J J J `J J T `J J J P J < J J J `J }J J 7`J J J J (D ' J ! `J t Jewelry Lab Certificates and AppraisalsThe Difference Between Jewelry Lab Certificates and AppraisalsMost people have both jewelry lab certificates and appraisals for their valuable jewelry, but the two documents are not one in the same. They serve different purposes and contain a different set of information that is helpful to jewelry owners, as well as to people who are looking for new jewelry to purchase.Jewelry lab certificates and appraisals often go hand in hand, but the lab certificate is a document that describes information about an unmounted gem stone, like a diamond that has not been set into any piece of jewelry, while the appraisal provides detailed information on the market value of a piece of jewelry, whether it is unmounted or already set as a ring, earrings, or necklace for example.Choosing Labs and AppraisalsWhen selecting jewelry lab certificates and appraisals on jewelry that you are considering to purchase, it is best to select an independent company that provides these documents rather than rely on the documents created by the company that you are planning to buy your jewelry from. Otherwise, you face the potential for the lab or appraiser to be biased, since they will benefit from the sale of jewelry.If you already have jewelry lab certificates and appraisals on your existing jewelry, but are unsure of their accuracy, it may be worthwhile to have your items appraised again to see what their current market value is.Jewelry Lab CertificatesJewelry lab certificates are written reports that detail unmounted gemstones rather than completed pieces of jewelry. The certificates include information about the diamonds (or other gemstone) cut and shape, as well as the stone's color and clarity grades as decided by the Gemological Institute of America (GIA). Lab certificates contain specifics about the carat weight as well as the dimensions of the diamond, taking into account the stone's angles. Once the lab certificate is drawn up, it should not change unless the stone is physically altered or it is found at a later date that the gem stone was evaluated incorrectly the first time.Jewelry AppraisalsThe entire reason people obtain jewelry lab certificates and appraisals is to document the dollar value of the diamond, whether it is for personal investment purposes, or in order to have a physical record of the gem stone for insurance purposes. It is also great documentation to have if you ever decide to sell your jewelry at a future date, or pass it down to family members. It is wise to have your existing valuable jewelry appraised in case it is stolen, or in the event you go through a divorce or estate settlement. Before purchasing a new piece of jewelry you can also get it appraised to get a good idea what the market value is on the piece before shelling out large amounts of money to pay for it if it isn't worth the amount of money they are asking for the piece. D J J < < < d h