People often use an in-house appraiser (an appraiser who works for the jewelry store where the merchandise has been purchased) to assess newly purchased jewelry. If the appraiser works for the store where the jewelry was purchased, the appraisal may not be completely objective and you may want to consider an independent appraiser. For this reason, we offer a Retail Replacement Appraisal based on the current market trends and is for insurance purposes.