Whats the difference between a diamond certificate and an appraisal?
A certificate is a report on a diamond’s characteristics from an independent gemological laboratory. You can arrive at a fair assessment of market value by studying the certificate and comparison shopping. An appraisal is an estimate of market value. Be careful if your appraiser is also a diamond seller; it’s a conflict of interest and makes it very hard to be independent. If your diamond appraises for much more than the selling price, get a second (independent) opinion.