Angie's List: Jewelry Appraisal - | Montana's News Leader | Billings, MT

Angie's List: Jewelry Appraisal

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Planning on giving something sparkling or even a little bling to that special someone that gift is an investment you'll want to protect.

In this edition of Angie's List, KULR-8 News' Emily Nantz tells you how jewelry appraisals work.

Megan Wright spent nearly four days searching her home for her missing engagement and wedding rings.

"I was physically sick over this. I overturned everything in the house that I could think of looking for them," says Megan. She finally found the rings in her closet.

"My four-year-old daughter had been in there playing dress up. swiped my rings, probably tried them on herself and she left them in the toe of my shoe."

Megan recently had her jewelry appraised, so she was prepared had her rings been gone for good.

If an item is lost, damaged, or stolen, an appraisal provides a detailed description of the piece.

"When you want to recreate the piece they'll be enough detail: the stones, the metal, the weight, the quality of the stones, that you'll get back exactly what you had. If you have a vague appraisal then it's possible you'll end up with a ring, but it won't be the same quality or value you had originally," says Jeweler Greg Bires.

You'll also need an appraisal if you want your jewelry insured.

"The pricing and value of your jewelry can and does change overtime so you want to be sure you've got it insured for the right amount. if it does end up lost or stolen you get the right return," says Angie Hicks, Founder.

Have your items appraised at least every three to four years. Expect to pay anywhere from $25 to $65 dollars per item.

"It's very affordable and creates great piece of mind in the event that your rings end up in the bottom of your shoe," says Megan.

You should choose your appraiser wisely. Check for certification by a group like the American Gem Society.

Steer clear of any appraiser who charges you a percentage of an item's appraised value.

Appraisals shouldn't take much more than a day, so be wary if the appraiser wants to keep your jewelry much longer than that.