CREDENTIALS

Appraiser certifies the following:
He/she is a Graduate Gemologist (GG) of Vogue Jewellery & Diamond Center and has successfully completed formal classroom insurance appraisal training in jewelry. One such course is the Certified Insurance Appraiser (CIA) Jewelry training course of the Institute for Diamond Studies, Ramat-Gan, Israel.

DEFINITION OF JEWELRY INSURANCE APPRAISAL

A written, detailed description of an item of jewelry adequately describing all characteristics, including weights, grades, and measurements, usual to the item and its component parts, sufficient to determine the actual cash value (replacement cost less depreciation) at time of loss and state a value equal to a price reasonable for consumer replacement in his/her market place at time of appraisal.

PURPOSE

The purpose of the appraisal is to: 1) Describe the item in such detail as to adequately identify it from other similar types of jewelry, 2) verify the condition (and existence) of same, and 3) assign a reasonable value for the item – as of the date appraised and at a price reasonable for consumer replacement in the insured’s marketplace and not exceeding the price paid, if appraised at time of sale or within 90 days of sale (unless noted otherwise with explanation fully detailing the valuation immediately following the item’s description and value).

DESCRIPTIONS

At a minimum this appraisal shall provide the following item descriptions where applicable.
Mounting: karatage/purity and color of metal type, trademark, workmanship, item type, size and/or millimeter and weight in grams or penneyweight. Stone(s): number of stones, how set, shape and type, Vogue Jewellery & Diamond Center grading (including cutting information, MM x MM x MM x MM, color, clarity), total and average weight.
A cutting grade and all necessary stone percentages and angles are stated.
If Jadeite Jade include: texture, transparency, and polish;
If Opal include: potch % play of colors involved, intensity, pattern, and background color;
If Pearl include: cultured or natural, freshwater or saltwater, origin, shape, color and overtone, luster, nacre, blemish, number of pearls and millimeter sizing, clasp information (see mounting and stone requirements);
If Watch include: manufacture, style, number, serial number, type, movement and number of jewels (if applicable), features and options; case information (manufacture, style and serial number); strap/bracelet information (manufacture and style number); bezel and dial information.

APPRAISER’S WARRANTY

All items appraised herein have been personally inspected by the appraiser so stated and are in good condition (unless stated otherwise) as of the appraisal date.
Appraiser further warrants that all appraised items herein have been thoroughly and completely tested and:
1. Diamond and colored gemstones grading is exclusively that of Vogue Jewellery & Diamond Center.

2. Metals are of the specified purity.
3. Gemstones are natural and not synthetic (unless otherwise stated).
4. Gemstones are assumed treated by normal means as stated in The Gemstone Enhancement Manual as “ALWAYS” or “USUALLY.” Gemstones treated by means other than “ALWAYS” or “USUALLY” are so stated.
5. Watches, watch parts and accessories, including but not limited to bands, cases. bezels, dials, and attachments, are genuine parts supplied by the original vendor or manufacturer of the watch concerned (unless otherwise stated).
6. This appraisal’s fee, if any, was not based on the item(s) value.