By appointment only

1451 Route 88, Suite 4 B

Brick, NJ 08724

(732) 610 - 0133

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Jewelry Appraisals For You


Zelma J. Kapalka, GG


Independent Jewelry Appraiser

GIA Graduate Gemologist

Member, National Association of Jewelry Appraisers


Types of Appraisals



Directions to Office



Types of Appraisals

There are different types of appraisals, depending on the purpose and function of the appraisal.


  • INSURANCE APPRAISAL is the most common, and represents the average retail replacement cost to replace your jewelry in the event of loss, theft or damage with a comparable item, as near as possible to the original, in the retail jewelry market.


  • FAIR MARKET VALUE APPRAISAL is based on what price a piece will change hands between a willing buyer and a willing seller, neither being under compulsion to buy or sell, and both having relevant knowledge of the facts. This type of appraisal is used for Collateral, Tax Liability, Divorce Settlement and Estate Settlement.

It is important to establish with your appraiser the intended use of the appraisal, in order to determine the most common and appropriate marketplace.


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