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Experienced and Precise Jewelry Appraisal in West Lebanon, NH

Is this piece of jewelry really an unbelievably valuable family heirloom that once belonged to great-aunt Lulu, or is it something that you should let the kids play with? Wouldn’t you like to know the answer to questions like this regarding items you have in your possession? Your course of action to get the information you want should be to contact Pearce Appraisers for jewelry appraisal for insurance in West Lebanon, NH.

A Value Based on Exacting Standards

At one time, an appraisal was simply a verbal discussion or a note written on fancy paper which described a piece in vague terms with no consideration for market or legal ramifications. The process has advanced greatly, and now professional jewelry valuation is the educated opinion of a trained professional who explores, describes, and estimates the value of an item.

Our work is based on a combination of experience, careful research, and systematic preparation. We use all of this to arrive at the value of an item in the most appropriate market.

We present our results to you in a legal document which includes pictures and diagnostic references. These appraisals conform to the Ethics Standards of the National Association of Jewelry Appraisers and the Appraisal Foundation's Uniform Standards of Professional Appraisal Practice.

Value vs. Price

The amount that a retailer asks for a gold necklace or diamond ring in the store is the price; it can be something totally apart from the value of an item. At Pearce Appraisers, we use our skills and experience in areas such as antique jewelry appraisal to arrive at the value of an object.

This figure is reached through our comprehensive process which meets industry standards. Prices can be based on appraised values, but then again they can be something totally subjective and set without regard or consideration of an appraisal.

Years of Experience and Training

At our firm, we draw upon more than 50 years in the jewelry field combined with 25 years of training in valuation science. This combination leads to accurate appraisals of jewelry and precious gemstones that you can trust and use for insurance purposes. You’ve got questions, and we’ve got answers, so let us provide the information you are seeking.

Contact us to learn more about how you can get an accurate and reliable appraisal of your jewelry. We proudly serve clients in West Lebanon, NH, and the surrounding areas.

About our Jewelry Appraisal Service in West Lebanon, NH

Pearce Appraisers is a subsidiary (d/b/a) of Fred and Kate Pearce, Inc.

We proudly offer a jewelry appraisal service in West Lebanon, NH. To be a qualified appraiser takes a considerable degree of study and continued education to stay current with the laws of the Appraisal Foundation which sets the rules of the Uniform Standards of a Professional Appraisal Practice (USPAP) standards 7 and 8.

Katherine Poppe Pearce (Kate) has been actively involved in the jewelry trade since receiving her B.F.A .from Syracuse University in 1967. She received her Graduate Gemologist degree from the Gemological Institute of of America, with honors, in 1993. In addition to the G.G., Kate is also a G.I.A.Pearls and Insurance Appraisal Graduate.

In 2001 she enrolled in the Master Valuer study course and received her Master Valuer Certification in 2003. The R.M.V. is highly regarded and one of the few Internationally recognized Appraisal degree granting institutions.

In 2009, Pearce Jewelers, under the guidance of Kate, was designated a certified Appraisal Laboratory by the Independent Jewelers Organization

In 2016, Kate was granted the title of Master Graduate Gemologist from I.J.O.

Kate joined the National Association of Jewelry Appraisers in 2011. In 2016, she passed the written and practical examinations required and is now holds the revered and prestigious title of     Certified Senior Appraiser  NAJA

In 2018 Kate qualified for the status of a voting member of the Accredited Gemologists Association

What to Appraise?

We offer various types of jewelry appraisals including diamond appraisals, gemstone appraisals and much more. Find out more about the appraisal types we offer in West Lebanon, NH below.

Insurance Replacement or Loss Appraisals

This type of Appraisal is an estimate of the indemnification value of an item to establish a replacement cost, new or comparable, in the appropriate market. In the case of a newly purchased item the value is often the purchase price. Special conditions are identified as in the case of the sale price being the result of an unusual circumstances.

The basis can be achieved through either cost basis or the market data approach.

Estate,Equal Division & Donation Appraisals

The estimate of value for this type of Appraisal is determined by using the principal of Fair Market Value. The price that would be paid between a willing buyer and willing seller, both of whom are aware of all the circumstances and are not under pressure to sell or buy. As these items are rarely new, the value determination is achieved by research into the secondary and auction markets. This type of research can be  time consuming, and requires  more experience.

Diamond, Gemstone and Timepiece reports

With the use of the reliable testing equipment in our laboratory, as well as a highly trained skills of diagnostics and observation, a well developed report of a gemstone's quality and value in the appropriate market for the intended use of the report will be produced.  The degree of the report can range from a simple confirmation of a gemstone's identification to a detailed document of all of the items' value features.

The result is a report of the value in the appropriate  market and will function for the intended purpose.

                      Estimated Fees for Services

Insurance Replacement & Gemstone Appraisals

Our charges are based on the time needed to develop a qualified appraisal. We will provide an estimate based on a quick examination of your items. Since our standard hourly fee is $150, we generally estimate the complete time required. If you stay with us during our notes and photo work you will know how much that part of our services are costing. What remains is the extensive creation of the report and research which comes afterwards. Most of the time, the fee in total will be based on double the time spent in photos and notes for the complete report. As an example, if photos and notes takes two hours, the fee for the full report on items of normal difficulty is for 4 hours total. 4 times $150 = $600. Groups of large and complex items which require more extensive research can be up to triple the time spent just making photos and notes. Vintage or jewelry purchased overseas and some collectibles can be more difficult to value in the appropriate market and take even more time. We will always provide you a firm estimate based on a multiple of the time we spend making notes and photos. A retainer Fee is due when the estimate is provided.

Your fully executed appraisal will describe and identify all contributing factors: size, weight and value features.

The document will address all limiting conditions and the expiration date.

Each item will have at least one photograph, but usually three.

The report will describe and explain any other contributions to value (provenance and the item's physical conditions).

Estate, Equal Division-Divorce and Donation

Our charges are based on the time needed to develop a fully executed assessment of the value of the items being examined appropriate to the function required.

The average hourly charge for these reports is $150.00 an hour but the multiple based on the time it takes for photos and notes is increased. Basic reports for groups of items time used for photos and notes x 2.4. This can increase up to a factor of 3.5 for highly complex items and those requiring extensive research. When outside laboratory reports are required, those fees plus shipping and insurance are additional and passed along at our cost plus 10%
The completed appraisal will document the value factors of the items' current condition. Most items presented for this type of evaluation are previously owned and reflect the appropriate secondary market value.
Tax deduction values for donation are the result of research in the prevailing market for comparable items.


                            Expert Witness Fees:

 A signed agreement is required in advance along with a $500 retainer.

Time to provide expert witness and court time is $250.00 an hour plus transportation charges, if over 15 miles from the offices.


Why isn't my watch worth more?

By Kate Pearce It is one of the most difficult things to explain to a client that their favorite old timepiece from their aged relative is only worth the "value in utility" that…


We are happy to answer any questions you may have concerning your valuables. We will not give any valuation advice via this email or phone device. We will be happy to schedule an appointment at a mutually agreeable time and place. Thank you for your interest!

Professional Affiliations and Membership

National Association of Jewelry Appraisers

Certified Senior Member

Global Investigative Services

Background Checked

Gemological Institute of America

Manhattan Chapter Alumni Association

Independent Jewelers Organization

Master Graduate Gemologist