Accurate Gem Labs, Inc. provides on site appraising. You may be present during the examination procedure. With each appraisal your jewelry piece will be carefully cleaned and inspected. The Gemologist will examine your piece with special instruments to determine carat weight, clarity, color rating and cut quality, value of the metals and workmanship. (Stones do not need to be removed from mounting for examination). Each of these details is researched; and adds up to a monetary value or Retail Replacement Value. Your unique appraisal document will be carefully prepared for you and your insurance company. A detailed, professionally written document with photographs will leave no room for question if the item is lost or stolen.