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Jewelry Appraiser

Appraisal Specialist

Cunningham Jewelry and Appraisal Services is a division of Cunningham Fine Jewelry, a 30-year retail jewelry business based in Tulsa, OK. Headed by Vicki Cunningham, an industry leader on the national and international stage, the company offers expert evaluation and appraisals of fine jewelry.


Professional and Confident

Our appraisers have a minimum of 30-years of experience in buying, selling and appraising fine jewelry. Our evaluation process conforms to industry standards. Each item of jewelry is well-researched and the final appraisal report includes complete documentation and support of our findings.

Appraisal Services

When you should contact Cunningham Jewelry & Appraisal Services:

  • To determine the replacement value of lost items for insurance purposes

  • To confirm the quality of a newly purchased jewelry item

  • To establish a reasonable re-sale price

  • For evaluating and pricing estate items

  • To value the division of property in divorce proceedings

  • To document and report the value of damage items

  • To report post-loss & casualty loss for previously undocumented pieces

Experience and Trust

Vicki Cunningham, GIA, GG, CMA, NAJA

A jewelry industry icon, Vicki Cunningham has served on the Board of Directors of the Responsible Jewelry Council , Jewelers of America, and Diamond Council of America and on the board for Jewelers for Children. She is a member of the Board of Directors of the Oklahoma Jewelers Association. In 2006, Vicki Cunningham was recognized as Southwest Star of Oklahoma for her contributions to the jewelry industry. In 2008 Cunningham Fine Jewelry was named as one of America’s Best Jewelers and in 2009 was named to the National Jeweler Hall of Fame. Vicki achieved the coveted title of Certified Master Appraiser with the National Association of Jewelry Appraisers in 2016. Cunningham Fine Jewelry was named one of Oklahoma’s Top 3 Jewelry Stores ten of the past 11 years. In 2011 the Oklahoma Jewelers Association presented Vicki with the Lifetime Achievement Award and induction in the Oklahoma Jewelers Hall of Fame.



A professional estate appraisal plays an important role in protecting the value of your assets. An accurate assessment of value is essential for estate planning or settlement, dividing assets in a divorce, buying insurance or property disposition.  An estate appraisal ensures that your property will be evaluated with complete confidentiality, care and accuracy. Every estate appraisal report is well-researched and documented. We have also partnerships with a select group of professionals to offer you a full personal property appraisal & evaluation.

An insurance replacement appraisal provides an estimate to replace a piece of jewelry with a new one of comparable look and quality. Replacement appraisals are most often used to determine an appropriate amount of insurance coverage. It is important that the insurance replacement appraisal provide an accurate estimate of the replacement value. If the replacement value is over-stated, your jewelry will be over insured and you will pay higher premiums than necessary.


A fair market value appraisal is most often used for one wanting to dispose of their jewelry and for tax and estate purposes. The fair market value provides an estimate of the likely selling price of a piece of jewelry if it is sold in its current, as-is condition in its most common market. An example of fair market value might be the price that an item sells for at a local auction. Rarely is this price a full retail price. Depending on the condition of the item and the desirability of the item, the fair market value might be as low as “scrap” value.

When an item of jewelry is being donated to any charitable organization, an appraisal may be required. The value to be used for tax reporting is most commonly the fair market value. This is defined as the price that a willing buyer and willing seller would agree upon.


During the course of a jewelry appraisal, your items will be carefully evaluated to accurately identify all component parts – gemstones and metals.  Gems are measured or weighed (when appropriate), evaluated for condition and graded for color, clarity and cut quality. Metals are examined for purity.

Value is determined by taking into consideration the component parts and the overall nature and condition of the finished piece as well as prevailing market conditions and the actual purpose of the appraisal (insurance replacement cost or fair market value). 

During the initial examination, we will:

  • Conduct a thorough examination of your property

  • Review the condition of your property

  • Take detailed measurements and notes

  • Take photographs of your property


After the initial examination, we will:

  • Research your property

  • Study available information regarding your property

  • Assign a value to your property

  • Enter all information into a formal report


What can you expect from us?

  • Professional and courteous answers to your questions

  • Complete descriptions of your property

  • Duplicate reports (one for your and one for your insurance company)

  • Photographs of your property

  • Complete confidentiality

  • Extra copy of report mailed/faxed directly to your insurance agent

Information we need for your appraisal:

  • Grading or Laboratory reports

  • Previous appraisal reports

  • Sales receipts

  • Repair receipts

  • Adequate time to do the best job possible

  • Invoice to be paid at time of service. We will gladly accept your personal check, cash, Visa, MasterCard or American Express

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