Is a certificate the same thing as an appraisal?

No, a diamond appraisal is the opinion of an individual appraiser and states his/her opinion as far as the quality of a diamond is concerned and also his/her opinion as far as the dollar value for replacing the stone is concerned. An appraisal is useful only as a tool for the insurance industry when a customer needs something replaced due to loss. Appraisals are typically far above the actual retail cost of the diamond. A certificate on the other hand, is issued by an independent laboratory that has had one or more staff members evaluate the stone for its specific quality. Additionally, a certificate contains no dollar value whatsoever; it is simply the assessment of the quality of the stone.
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