Appraisal terms and limits


Insurance value is the current value for which an item may be purchased in a jewelry store engaged in the business of selling comparable merchandise. If the report is title replacement value, we have inspected the item and analyzed it within the limitations of its present state. Unless indicated we have not removed any gems.

Diamonds are graded for the three quality factors of cutting, color, and clarity according to the American Gem Society diamond grading standards. Each of these quality factors is rated on a scale of 0 to 10 with 0 being the best possible grade for that particular quality factor. No diamond may be assigned a grade of 0 for any quality factor unless it is examined un-mounted. Mounted diamonds are given a provisional grade in each of the quality factors.

Unless otherwise stated, it is assumed that all colored stones listed on this appraisal report have been subjected to a permanent and in most cases undetectable color enhancement process. Prevailing market values are based on these processes, which are universally practiced and accepted by the gem and jewelry trade.

Mountings prohibit the full and accurate evaluation of gemstones. All measurements and weights are approximate unless gemstones have been removed from mountings. Identification of metals and methods of construction are determined only to the extent that the design permits.

The values expressed are based on the current information available at the date of the appraisal and the appraiser’s judgment and opinion. It is not a representation or warranty that the items will realize those values if offered for sale.

Rendering this appraisal does not require testimony or attendance in court or at any other hearing. The appraiser will try to accommodate arrangements made a reasonable time in advance. Compensation will be at our customary hourly rate.

This report shall not be used in whole or in part, for purposes of publicity, promotion or transfer of the article.

This report is not a guarantee, agreement or offer to buy and Argo & Lehne Jewelers makes no representation or warranty regarding this report or the article described herein.

This report is specifically limited to the article described at the time of its examination and is limited to the person requesting such report at the time the article and report is delivered. It is not valid later or for any subsequent transfer.

Argo & Lehne Jewelers, Inc. shall not be liable for any loss, damage or expense as a result of this descriptive report to any person after the article has left the custody of Argo & Lehne. Due to the nature of the article and the possibility of damage, change or other occurrence Argo & Lehne for itself, its agents and its employees specifically denies any liability to any persons for any reason for this report after the article has left the control of Argo & Lehne Jewelers, Inc.