The gems discussed here are generally low-priced, compared to diamonds. However, the jewelry may still be of high value due to expert craftsmanship and being made of expensive metal.

Many organic gemstones are easily damaged — amber is pliable, coral can be eaten away by body acids and chemicals, cameos made of shell can become discolored over time, etc.

Remember that words like unique, antique, Victorian, etc., say nothing about the value of the jewelry value because they are merely descriptive terms. Many of these gemstones easily recognized by name and are often assumed to be more expensive than they are. Tourists often overpay for exotic jewelry when buying on the enthusiasm of the moment without any prior research or comparison shopping. Also, be aware that plastic imitations abound.

Assigning value to unusual pieces requires expertise and know-how. Be sure the appraiser you choose is a jeweler who regularly deals in such jewelry and is familiar with the pricing as well as scames in its specialized market.

Always have your scheduled jewelry assessed by a competent, trained appraiser, preferably a Graduate Gemologist who is also a Certified Insurance Appraiser, assigning valuation and be sure to have them supply you with a detailed descriptive appraisal on JISO 78/79.

Adjusters should always have damaged jewelry looked at in a gem lab by a graduate gemologist who has ample knowledge of the gem material involved. Normal wear and tear can change or break down some materials, and such changes are not considered insurer liable damages.

Most materials discussed here are not high in value. If the appraised value is high, check the sales receipt. A large discrepancy in value is a good indication of inflated valuation or a fake.

For high-value jewelry, check the appraiser's record and experience. Does he deal with high-value jewelry regularly? Does he have experience with this type of jewelry? Have any of his other appraisals been inflated? You may want to consult a jewelry insurance professional to help resolve these questions.

Organic Gemstones consist of:

• Coral
• Pearls
• Ivory
• Shell
• Amber
• Jet & Gutta-Percha