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Saratoga Springs Jewelry Appraisers
& Gemologists

Saratoga Springs | Schenectady | Troy

Jewelry appraisal experts around Saratoga Springs NY

Reviews of respected professional Appraisers and Gemologists who provide jewelry appraisal & gem testing services to the Saratoga Springs area, including Troy, Schenectady and throughout the Greater Capital Area.
Appraisal services include: Insurance replacement value, estate (probate), divorce settlement / dissolution of marriage, damage reports, post-loss asseessments and liquidation.

All JAW Associates:

  • Are full-time accredited appraisers and Gemologists, not retail jewelers.
  • Are fully qualified and experienced.
  • Have had all of their credentials independently verified by us.
  • Are held to account by national and sometimes also international appraisal governing bodies.

Click the ‘View Profile’ buttons to show each business's jewelry appraisal cost, verified qualifications & credentials, client reviews and contact details.

The Appraisers below are arranged in order of the number of customer reviews they have received.

Dyer gem
James Naughter - Jewelry Appraiser

A&A Gemological Laboratory

Saratoga Springs, New York, USA

Rating (18 reviews)
Star rating5.0

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Appointments are arranged for a one-on-one experience with James Naughter at A&A Gem Lab's secure, modern, comfortable office & laboratory. Typically you will walk away with your jewelry and report in about an hour with a while you wait service. A mobile laboratory option allows off-site analysis in your home, office, bank vault or Lawyer's office.

Jewelry appraisal for all purposes conform to Uniform Standards of Professional Appraisal Practice (USPAP) guidelines, also expert witness, litigation support, pre-purchase consultations & forensic analysis... [more info, fees, reviews etc]

info iconTypes of Jewelry Appraisals

Only those specifically referred to on this page are described here

Further types will be mentioned on the Appraisers' profile pages as there are several other types of appraisal reports, each with its own particular wording, purpose, objectives and resulting values. For an expanded list of valuation types, go to the Appraisal Definitions page.

Divorce (rarely requested) - this type of appraisal is used to help divide the tangible assets of a marital estate. The type of value provided in the appraisal report will typically be determined by specific State statutes, by agreement between the parties or by the trier of fact (the Court). Commonly requested types of value include fair market value, liquidation value, replacement value and/or marketable cash value. The level of detail provided may also be a matter of agreement or decree.

Estate Tax (commonly requested) - Estate appraisals prepared to help determine estate tax must meet specific standards outlined in the Code of Federal Regulations and / or the specific regulations of each specific State. For Federal estate tax purposes, the Fair Market Value, as specifically defined by the tax code, is provided based on the methodology and to the level of detail required by the IRS. Recent Tax Court rulings require that these appraisals must meet very specific criteria. This type of jewelry appraisal is very demanding and requires an Appraiser with a high level of education, training and experience in order to help avoid significant tax penalties and possible sanctions by the IRS. Specific value definition and requirements vary between States.

Insurance Replacement (routinely requested) - Replacement value appraisals are intended to be used for scheduled insurance coverage of jewelry and watches. The descriptions are usually the most detailed of any appraisal type and include the quality and condition of the item as well as the cut, color, clarity and carat weight (calculated or estimated) of gemstones and diamonds. When appropriate, the age or historical provenance may also be considered as value elements. Depending on the specifics of the item being appraised, the replacement value may be based on the analysis of sales for similar ‘new’ items of like kind and quality or sales of ‘used’ (vintage) items of comparable kind, quality and utility.

Liquidation (commonly requested) - an appraisal provided to assist the client in the relatively rapid sale of their jewelry or watches may take the form of an appraisal report or a restricted report. It may be presented in either written or verbal format and as with other types of resale valuations the level of detail included and the type of value(s) requested are the client′s choice.