Jewelry Missing? Ypu Can Still Appraise It

[Author’s note: Personal property appraising is still a young profession, with the first comprehensive education programs offered in 1982. As with any profession, there will be differences of opinion on the application of principles to particular problems. JCK readers may submit their views through letters to the editor or contact the author directly.] Jewelry was stolen from my customer last week. She has a “cash value” insurance policy and needs an appraisal of the items for their value at the time of loss. I had sold her some of the items, but for others she only has an old appraisal with rather brief descriptions and photographs. Can I write a “hypothetical appraisal” on the items that I did not sell her based only on her photographs and the prior appraisals? Are there any related considerations for the items that I originally sold her? Appraisals of lost or stolen item
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