WISCONSIN (WKOW/ANGIE'S LIST) -- Valentine's Day is fast approaching. A lot of people are picking up cards, chocolate or flower to give their sweetheart, but if you're giving or hoping to get a little bling this holiday, it's a gift you'll want to protect.
Angie's List, a leading consumer review company, says a jewelry appraisal can help.
Megan Wright was glad she got one, after spending nearly four days searching her home for her missing engagement and wedding rings.
"I was physically sick over this," she said. "I overturned everything in the house that I could think of looking for them."
Eventually, she found them in the closet.
"My four-year-old daughter had been playing dress up, swiped my rings, probably tried them on herself and then left them in the toe of my shoe."
Wright says even if they never turned up, she would have been okay, because she recently had the rings appraised. If an item is lost, damaged or stolen an appraisal provides a detailed description of the piece.
"When you want to recreate the piece there will be enough detail, the stones, the metal, the weight, the quality of the stones, you'll get back exactly what you had," jeweler Greg Bires explained.
Angie's List says you'll also need an appraisal if you want your jewelry insured. We've seen a fluctuation in gold prices, so you want to make sure it's valued correctly.
"The pricing and value of your jewelry can and does change overtime so you want to make sure you've got it insured for the right amount," Angie Hicks, with Angie's List said.
"Gold was $300-$400 four or five years ago, now it's $1,200 an ounce," Bires said.
He recommends choosing your appraiser wisely. You'll want to check for certification by a group like the American Gem Society. Steer clear of any appraiser who charges you a percentage of an item's appraised value and keep in mind appraisals shouldn't take much more than a day so be wary if the appraiser wants to keep your jewelry much longer than that.
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