As explained in the GIA FAQs,  jewelry appraisals often not very helpful compared to actually having your diamond certified with the GIA.  Jewelry appraisers, are not diamond graders and often inaccurately grade diamonds.  Appraisals rarely have the essential information a GIA report will contain.  As stated on most jewelry appraisals, the description is only an ‘estimation’ or ‘opinion’ of the quality of the diamond.   In addition, appraisals list grossly inflated retail values for insurance purposes, not resale. It’s best to invest your money in GIA report.