[Jewelry making - Article 00391] - Re: [Orchid] Woman Stole $42,000 Ring, Sold It For $140

[Richard Hart]

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>     I have never understood an "Insurance replacement appraisal" as
>     opposed to a Regular true appraisal. That is out and out Insurance
>     fraud. It's alright to steel as long as it's from an Insurance Co.
>     In the end, we all pay. 

    For those that do not know or understand appraisal practices, please
    go to www.americangemregistry.com and find the heading appraisal
    services at the bottom, then on the left side, types of appraisals:
    insurance replacement or fair market value.I am not sure what a
    Regular true appraisal is. The purpose of an insurance replacement
    appraisal is to protect the insured so they are made whole if and
    when they suffer a loss. There is a standard for documenting so there
    is no doubt as to what the jewelry item is comprised of so a monetary
    value can be assigned. 

Richard Hart G.G.
Jewelers Gallery
Denver, Co.
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