Valuations
A record you can rely on.
A valuation is a professional statement about what an item is and what it would reasonably cost to replace. Its usefulness depends entirely on the care taken in producing it.
Use cases
Different purposes, different bases.
- Insurance
- A schedule is only as reliable as the descriptions behind it. An insurance valuation identifies each item precisely so that cover reflects what is actually held.
- Replacement
- Where an item is lost or damaged, a considered replacement assessment establishes what an equivalent piece would reasonably cost to obtain today.
- Estates
- Executors and beneficiaries need an objective record. Estate valuations describe jewellery clearly and apply a basis appropriate to the administration.
- Claims
- During a claim, an independent assessment of the item, the damage and the options available helps all parties reach a fair and informed outcome.
What to expect
Nothing rushed, nothing assumed.
- A short conversation to establish purpose and scope before any work begins
- Examination of each item in hand, with measurements, marks and condition recorded
- Assessment of mounted gemstones to the extent examination reasonably allows
- Market-informed replacement figures where the purpose calls for them
- Written documentation that states its basis and the date of assessment
Why independence matters
An independent practice has no stock to sell and no commercial interest in the figure reached. The opinion stands on the examination alone.
For insurers and their clients alike, that separation is what makes a valuation useful. It is a professional view, not a sales document.
How documentation is used
Clear documentation allows an insurer to schedule an item correctly, an executor to account for it, and an owner to prove what was held if it is later lost.
Descriptions are written to be understood by someone who has never seen the piece — which is precisely the situation in which they are usually read.
Your jewellery deserves certainty.
Arrange an appointment or discuss a professional requirement in confidence.