Reading Time: 12 minutes As a state licensed Property and Casualty Adjuster, Texas Department of Insurance (TDI1300433) over the past 20 years I have experienced a unique view of the jewelry insurance industry. From appraisals to claims replacement to SIU investigations to Appraisal and Umpire Clause actions – I have pretty much seen it all. Throughout all of these years there are five reoccurring myths that I encounter from consumers, jewelers, and even appraisers. I thought that today we could discuss these and clarify the Top 5 Myths About Jewelry Insurance Appraisals 1. My appraisal is just my opinion, I am not responsible for any actions that may be taken as the result of my appraisal. This is a very popular misconception from retail jewelers who issue appraisal documents without any formal training. By issuing an appraisal document and calling it an “appraisal”, “certificate of value”, or anything else, you are setting yourself out as an expert issuing an opinion. Even if y