Over 30 Years of Professional Service

To the Public, Banks, Attorneys, Retail Jewelers, Insurance Companies, Jewelry Manufacturers and Government Agencies.

Appraisal & Consulting Services

for Fine Jewelry, Gemstones, Watches, Silver & related Articles

Most appraisals are accomplished “while you wait” during your private appointment. We operate a full Gem Laboratory; a secure environment with the honesty, integrity and comprehensive understanding that you need in a jewelry appraiser.

We take pride in being Client Focused

Accuracy, strict discretion and your trust are most important to us. This commitment to our clients assures you that our services will meet the highest standards in the industry. Since 1985, our staff has been providing exceptional customer service to individuals, banks, attorneys, government agencies, the jewelry industry, as well as celebrity clients.


An appraisal is a “tool” to accomplish some purpose… obtain insurance, distribute property among heirs or to collateralize a loan, to name but a few of those purposes. Your appraiser needs to know the function and purpose that you will be using the document for. Your appraiser is your advocate... but only if you are truthful too. Answer any question they may have and bring any supporting documentation with you to your appointment.

Appraisal Purposes

There can be a myriad of reasons that you may need an item evaluated. Openly discuss your needs with the appraiser, and you will be best served. These types of appraisals include:

  • Replacement Insurance
  • Agreed Value Insurance
  • IRS Documentation
  • Damage Appraisals
  • Liquidation Appraisals
  • Pre-Nuptial Appraisals
  • Donation Appraisals
  • Litigation Support
  • Collateral Appraisals

Insurance Appraisals

This is our most asked for service. This is a very thorough document, accurately describing your jewelry along with the most common selling price from full service firms engaged in sale of like kind and quality items. If the item is lost or stolen, the information containing in this report will permit a new item to be created. With this, you can obtain coverage, for that specific item, from your Homeowner’s Insurance carrier or an Independent Carrier. This document is written in such a way so that any party reading it knows every aspect of the item and can re-create the item in the event of loss, theft or damage. All appraisals contain photographs of the described items.

Types of insurance available for jewelry

Insurance companies vary on their replacement policies. Ask your particular company how they handle losses.

Replacement Insurance

Replacement Insurance is the most common. Your insurance company will replace an item, or pay you no more than their actual cost to obtain it, regardless of the value stated on the appraisal document. You want to have current, realistic values, reflecting what is actually happening in the market. If the value is unrealistically inflated, you will be paying higher premiums for coverage that you will never recover.

Agreed Value Insurance

Agreed Value Insurance is the alternative to Replacement Insurance. It is important to note that not all companies offer, and not all customers qualify for this type of coverage. With Agreed Value Insurance, the insurance company does not find a replacement, but rather pays you the face amount on the policy. This type of policy often is inflated annually by the insurance company automatically based on the CPI, which will inflate the premium you pay as well. Keeping tabs on your item’s current actual value is also important with this type of coverage too.

Knowing the type of coverage you have before you experience a loss will prevent a great deal of heartache and headache if you should experience one.

IRS Documentation

This is commonly called a Fair Market Value Appraisal and is less straight forward than an Insurance Appraisal. This type of value is often less than an Insurance Replacement appraisal. These appraisals are structured to be in compliance with the legal definition of Fair Market Value and is a requirement by courts and the Internal Revenue Service for valuation issues. This value is often appropriate for other legal or tax purposes such as dissolution settlement, divorces, charitable contributions, and even for some criminal proceedings.


gemcorp ring
  • Written Appraisal Reports for any purpose
  • Consultations (no report) for:
    • Purchase Comparison
    • Private sale
    • Pre-auction analysis
    • Stone Identification
  • Complete Gem Laboratory
  • Damage Assessment
  • Restoration of certain articles of jewelry
  • Re-cutting of Diamonds and Gemstones
  • Expert Testimony in Court
  • Disputes and Arbitration - Gemcorp is one of the few firms in the Southeast that does arbitration reports for resolution of disputes for insurance companies, retailers, banks and attorneys. Reports are prepared based on available data and all data is presented to all parties.

Gem Lab

gemcorp ring

Complete Gem Laboratory – Gemcorp maintains very well equipped gemological laboratory, which enables us to properly identify and grade gemstones, imitations, synthetics and their treatments as well as identify metals. While there are some materials that require more sophisticated and specialized testing, Gemcorp can handle most challenges presented in our lab. For assignments that take us out of the office, we have Gemological Products Portable Gem Labs.

We routinely use with the following instruments:

  • GIA –Gem Instruments Binocular Darkfield Microscope
  • Scientech SE250 Electronic Scale, measuring to 0.000 ct.
  • Gran Full Spectrum Diamond Colorimeter DC3000
  • Sarin Diamension with cut grade analyzing software
  • Fiber Optic Lighting
  • GIA Gem Diamond Lite
  • Electronic Gold and Platinum Tester as well as testing acids
  • Spectroscopes, Calcite and Diffraction Grating
  • Refractometers
  • Polariscopes
  • Gem Dialogue Color Comparison Charts
  • Leveridge Gauges
  • Ultraviolet Light Unit-Long and Short Wave
  • Dichroscopes
  • Chelsea color filter
  • Hanneman Filters
  • Hearts and Arrows Viewer
  • Angular Spectrum Evaluation Tools - AGS
  • Heavy Liquids
  • Ionic and Ultrasonic Cleaners
  • Digital Cameras
  • Comprehensive Gemological Library
  • A set of 8 Master Color Grading Diamonds graded and approved by both GIA and AGS
  • 2 Gemological Products Portalabs (Completely portable grading and identification equipment)

Appraisal Checklist

If making a new purchase, look for this same information on your sales receipt and supporting documentation.

A well prepared and comprehensive appraisal should contain sufficient information so that the reader knows exactly what the appraiser is describing. This should be presented in an easily understood format, with detailed photographs of the item being appraised. Below is a checklist of what is typically included in a professionally prepared appraisal.

  • Diamonds
    • The 4 C’s a must; Cut, Color, Clarity, Carat Weight
  • Colored Gemstones
    • Hue, tone, and saturation
    • Indications of cutting quality
  • Conditions of Grading
    • Whether mounted or un-mounted
  • Grading system used
    • GIA, AGS, or other
    • Grading should be specific
    • Important stones should not be split graded
  • Measurements
    • Stones should indicate all possible measurement in millimeters
  • Enhancements
    • At least a general statement on gemstone enhancement
    • Important stones should detail specifics of an enhancement
    • Laser drilled, irradiated, fracture filled, etc.
  • Fluorescence can impact value and should be noted
  • Damage
    • Even minor damage should be noted
  • A plot or map of a gemstone can be very helpful
  • The definition of value used should be clearly stated
  • Any limiting conditions should be clearly stated
  • Mountings
    • Metal quality and color clearly indicated
    • Methods and quality of construction noted


Gemcorp, Inc. was founded in 1985 by Stephen Turner. There were no truly independent appraisers in the Atlanta area, and he decided it was time to fill that much needed niche.

Mr. Turner is a Graduate Gemologist from the Gemological Institute of America (www.gia.edu) and has an extensive background in many aspects of the jewelry business. Just prior to starting Gemcorp, he was a manager and buyer for a five store, multi-million dollar retailer. While there, he also earned the prestigious title of Certified Gemologist-Appraiser from the American Gem Society (AGS). Mr. Turner remains affiliated with AGS to this day (www.ags.org). In addition, Mr. Turner is a Senior Certified Member of the National Association of Jewelry Appraisers (www.NAJAappraisers.com).

Over the years, and continuing to this day, specialty courses on appraising and gemology are a priority for the gemologists at Gemcorp. These have included programs from the International Society of Appraisers (ISA), the American Society of Appraisers (ASA), the National Association of Jewelry Appraisers (NAJA), the Accredited Gemologists Association (AGA), the Gemological Institute of America (GIA) and the Master Valuer Program.

Trained as a bench jeweler and also in watch repair, Mr. Turner also brings a unique perspective to the quality analysis of jewelry construction and condition. On numerous occasions, a potentially devastating loss has been prevented on new jewelry because we examine the entire "health" of an item, as well as its value. In a time where we are all price conscious, there is a great temptation by merchants to cut corners on quality to offer lower prices. Our active lifestyles today are much harder on jewelry than times in the past. It is advisable to have any item that is regularly worn inspected by a professional bench jeweler every six months.

The ideal appraiser has a wealth of experience working across all levels of the marketplace. A retailer, who also happens to offer appraisals, is often subject to a narrow view and misses the “big picture” required of a quality appraisal. For over 35 years, Mr. Turner has applied an educated view of fundamental valuation principles while studying commercial market behaviors. Count on your comprehensive valuation report to be easy to understand as it equips you with the true value of your gem's current worth.


When you hire a jewelry appraiser, you are seeking professional advice. As in the saying, “You get what you pay for,” you should choose an appraiser on the basis of experience, never price alone. Especially in this economic environment, some merchants have become “appraisers” and hardly understand the full scope of value and markets.

Fees take into account professional and recurrent training, laboratory equipment, subscriptions, books and other reference materials, other business overhead, and time. Anything less than a professional appraisal document will not stand up to scrutiny in court, or protect you when filing a claim. Today one out of every five jewelry appraisals submitted to insurance companies in the U.S. is rejected due to stricter underwriting guidelines.

FEES FOR CONSULTATIONS - All consultations are billed hourly in 15 minute increments at a rate of $35 per increment ($140 per hour). A consultation can include, but is not limited to: review of other appraisals, critical examination of craftsmanship, business practices consultation, personal purchases, resale consultation, and discussion for auction potential. Appraisal fee, if incurred, will be billed in addition to consultation fee.

FEES FOR WRITTEN APPRAISALS - Written appraisals contain a complete description of all components, grading to standards established by GIA, color digital photographs, full explanation of grading systems used and treatments, a bound original and a photocopy for your needs.

$125.00 for first item (minimum charge) $75.00 for each additional (on same document)


Gemcorp prepares written appraisals for your stated purpose that meets, and often exceeds, the guidelines established by the strictest insurance companies, Internal Revenue and other government agencies. Consultation fee, if incurred, will be billed in addition to appraisal fee.

Fees are dependent upon the difficulty of the items being appraised and the extent of the evaluation and market research needed to come to a value conclusion and make a fully accurate and comprehensive report.

FEES FOR SPECIALTY REPORTS – There are many situations that can be resolved with a report or letter that addresses your primary concern. The preparation of such reports, often in letter form, are billed as consultations, $140.00 per hour.

OUT OF OFFICE ASSIGNMENTS - We have the capabilities to go anywhere to examine jewelry, whether it is your home, a bank vault, or museum using our portable gem labs. Out of office appraisal assignments or those that require our expertise in court or other hearing are billed at $225.00 per hour plus out-of-pocket expenses and require a signed contract prior to the assignment being started. The rate for large, lengthy or unusual assignments may be negotiated.

Special, reduced rates are given for churches, synagogues and other not for profit organizations.

We take pride in being Client Focused - Accuracy, strict discretion and your trust are most important to us. This commitment to our clients, assures you that our services will meet the highest standards in the industry. Since 1985, our staff has been providing exceptional customer service to individuals, banks, attorneys, government agencies, the jewelry industry, as well as celebrity clients.

Payment is due the day service is rendered unless arrangements are made prior.


5064 Roswell Rd, NE
Building B Suite 101
Hardeman Square
Atlanta, GA 30342

Office HoursBy Appointment Only

Monday – Friday
10:00 AM to 6:00PM*
Call for available times

* Being a service oriented firm, we will meet clients prior to or after our published hours. Please call with your particular needs and requests and we will do our best to accommodate you.