Why people appraise

Every appraisal has a purpose.

The reason for an appraisal determines its definition of value, its level of detail, and the form of the report. Identifying that purpose at the outset is the single most important step — here are the most common.

01

Insurance Scheduling

Schedule fine art, jewelry, and valuables on a homeowner's or specialty policy at replacement value, so coverage reflects what it would cost to replace each item today — and so a claim can be settled without dispute.

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02

Estate & Probate

Executors and trustees need a documented inventory and fair market value of personal property as of the date of death for probate, estate accounting, and estate-tax reporting — prepared to stand up to review.

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03

Charitable Donation

The IRS requires a qualified appraisal by a qualified appraiser for non-cash charitable contributions valued over $5,000 (with additional requirements at higher thresholds). We prepare donation appraisals at fair market value to support your filing.

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04

Equitable Distribution

In divorce and other division of assets, an impartial valuation of art, jewelry, and personal property gives both parties — and the court — a neutral, defensible basis for a fair settlement.

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05

Damage & Loss

After fire, flood, theft, or breakage, we document and value items for an insurance claim — establishing pre-loss value and, where relevant, loss in value or cost to restore.

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06

Resale & Liquidation

Planning a sale, downsizing, or settling an estate? A marketable-cash-value or orderly-liquidation appraisal sets realistic expectations and informs how and where to sell.

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07

Expert Witness

When value is contested, we provide impartial valuations, reports, and testimony for litigation, mediation, and dispute resolution — clearly reasoned and prepared to withstand cross-examination.

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A signed and sealed appraisal document on a desk beside a fountain pen and a wax-style seal.
Replacement vs. fair market value

Why the same item can carry two values.

The number on an appraisal is not a single fixed figure — it depends on the definition of value the assignment requires.

  • Replacement value — what it would cost to replace an item with a comparable one; used for insurance.
  • Fair market value — the price between a willing buyer and seller; used for estates, gifts, and the IRS.
  • Marketable cash / liquidation value — net proceeds from a sale; used for resale and division.
  • We confirm the correct basis with you before any value is reached.
Tell us the reason

Get the right appraisal for your purpose.

Insurance, estate, donation, divorce, or dispute — share your situation and we'll prepare a report fit for its intended use.