Aren't all jewelers trained professionals
who know their stuff?

Not nearly. In one investigation, TV reporters found that a
number of jewelers in New York's diamond district couldn't even distinguish real diamond from moissanite, a diamond simulant —
that is, a fake.

Reporters took a moissanite ring to several jewelers, asking for an appraisal of its value. Moissanite costs $600 a carat, about a tenth the price of diamond, yet half the jewelers who looked at the imitation took it for real diamond and valued it at ten times its worth.

Moissanite is a good fake, being almost as hard as diamond and even more brilliant. But a trained gemologist can easily distinguish moissanite from real diamond under microscope magnification. Charles and Colvard, the company that sells the simulant, has even developed a detection that jewelers can use.

The story points out the importance of dealing with a jeweler who has the training and equipment to verify what he is buying and selling.

No Credentials Necessary!

Surprising but true: literally anyone can call himself or herself a jeweler. Or a jewelry appraiser. There is no federal or independent body setting qualifications for these professions. In fact, the majority of jewelry retailers have no formal gemological training. Customers, as well as insurers, are left to wonder:

The appraisal and valuation are only as reliable as the appraiser.

The JISO Solution

By recommending to policyholders a JISO 78/79 Jewelry Appraisal, you can be sure the appraiser is qualified and the appraisal is reliable.

JISO 78/79 guarantees that:

JISO 805, the Jewelry Receipt for Insurance Purposes, is recommended for situations in which you cannot obtain a JISO 78/79 appraisal because the jeweler does not meet the education and training requirements set forth in JISO 78/79. The JISO 805 form can be filled out by any selling jeweler. It documents the price actually paid for the jewelry and describes the jewelry in detail.

JISO 805 is not an appraisal, but it provides the information necessary for scheduling typical jewelry items of lower value, for which the underwriter does not require an appraisal.