Post # 1
The paperwork that came with the ring is almost twice the amount paid for.
1. Where can I find these independent jewelry appraisal companies?
2. Between the 2 options, do I want to submit the higher appraised value (higher premium) or the lower appraised value?
Post # 2
jolieqe: I would submit the lower appraisal, if the amount is enough to replace the ring. It will keep your premiums down. There’s no need to submit the higher appraisal if it lists the ring for way more than it would actually cost to replace.