The Importance of Getting Your Jewelry Appraised for Insurance Purposes Every Three Years

Jewelry is not just an accessory, it's a valuable investment that holds sentimental and monetary value. Whether you have inherited a family heirloom or purchased a piece for yourself, it's important to protect your jewelry with the right insurance coverage. One crucial step in ensuring proper coverage is getting your jewelry appraised for insurance purposes every three years.

Jewelry is not just an accessory, it’s a valuable investment that holds sentimental and monetary value. Whether you have inherited a family heirloom or purchased a piece for yourself, it’s important to protect your jewelry with the right insurance coverage. One crucial step in ensuring proper coverage is getting your jewelry appraised for insurance purposes every three years. This process, also known as jewelry appraisals or jewelry insurance valuation, helps determine the current value of your pieces and ensures that you are adequately covered in case of loss, theft, or damage. In this blog post, we will discuss the importance of getting regular jewelry appraisals and how it can benefit you in the long run.

The value of jewelry can appreciate or depreciate over time

Jewelry is not just a beautiful accessory; it’s an investment that can hold significant value. However, the value of jewelry can change over time. While some pieces may appreciate in value, others may depreciate. This is why it’s essential to regularly get your jewelry appraised for insurance purposes every three years.

By getting your jewelry appraised every three years, you can stay up to date with the current value of your pieces. An appraisal conducted by a GIA certified gemologist will provide you with an accurate assessment of your jewelry’s worth. This ensures that you have the proper insurance coverage in case of loss, theft, or damage.

It’s important to note that jewelry appraisals are not just for high-value pieces. Even if your jewelry holds sentimental value rather than monetary value, it’s crucial to get it appraised. An antique heirloom or a family treasure may be worth more than you realize, and having it appraised can help you understand its true worth.

Getting regular jewelry appraisals also allows you to keep track of any changes in the market value of your jewelry. You may find that certain pieces have appreciated significantly, which can be a pleasant surprise. On the other hand, some pieces may have depreciated in value, and it’s essential to update your insurance coverage accordingly.

Ultimately, by getting your jewelry appraised every three years, you can ensure that your pieces are adequately protected and that you have peace of mind knowing their true value. So, whether you’re in Boca Raton, Florida, or searching for “jewelry appraisals near me,” make sure to choose a trusted jeweler like David Stern Jewelers, known for their expertise in GIA gemologist appraisals. Their thorough and efficient appraisal process, done while you wait, ensures that your jewelry never leaves your sight, making it a hassle-free experience.

In the next section, we’ll dive deeper into the reasons why you should get your jewelry appraised every three years. Stay tuned!

Reasons to get your jewelry appraised every three years

Getting your jewelry appraised every three years is an essential step in protecting your valuable investment. There are several reasons why regular appraisals are crucial for the security and peace of mind of jewelry owners.

Firstly, the value of jewelry can appreciate or depreciate over time. By getting your jewelry appraised every three years, you can stay updated with the current market value of your pieces. This is especially important if you have high-value items or if your jewelry has sentimental value. You may be surprised to discover that certain pieces have significantly appreciated, making it even more important to ensure they are adequately insured. On the other hand, some pieces may have depreciated in value, and updating your insurance coverage accordingly is crucial.

Additionally, regular appraisals provide documentation of your jewelry’s worth. This documentation is invaluable when it comes to filing an insurance claim in case of loss, theft, or damage. Having a recent appraisal ensures that you are properly compensated for your jewelry’s value. It can also help speed up the claims process and prevent any potential disputes with the insurance company.

Furthermore, regular appraisals are necessary for probate purposes. In the event of your passing, your jewelry will need to be appraised for estate planning and distribution. Having up-to-date appraisals can help ensure a fair and accurate division of assets among your loved ones.

Overall, getting your jewelry appraised every three years is a wise decision that can protect your investment, provide peace of mind, and assist with insurance claims or estate planning.

The primary purpose of jewelry appraisals differs significantly from that of home appraisals. While homeowners often get appraisals to determine the property’s value for financing, jewelry appraisals serve a distinct function. They are primarily used to establish the value of jewelry for insurance purposes. This valuation helps ensure that, in the unfortunate event of loss or damage, the insurance coverage reflects the current market value of the pieces. Understanding this distinction is crucial for properly insuring valuable jewelry items and ensuring peace of mind.

Do I Need an Appraisal to Sell a Piece of Jewelry?

When considering selling your jewelry, you might wonder if an appraisal is necessary. Although it might seem beneficial, obtaining an appraisal isn’t typically required for selling pre-owned jewelry.

Why an Appraisal Isn’t Necessary

Most buyers, including jewelry stores and pawn shops, prefer to conduct their own assessments. They have their own methods and expertise to evaluate gemstones, metals, and craftsmanship. These professionals determine value based on current market conditions and the specific attributes of your piece.

When Having an Appraisal Helps

However, if you already own an appraisal, bringing it along could streamline the sale process. It might provide useful insights into your jewelry’s details, such as carat weight and quality, which can expedite the evaluation.

Avoid Extra Costs

Investing in a fresh appraisal solely for selling purposes isn’t generally recommended. The cost could outweigh any potential benefits unless your item is rare or exceptionally unique.

By understanding how buyers appraise jewelry, you can confidently approach the selling process without unnecessary expenses.

Choosing David Stern Jewelers for all of your Jewelry Appraisal needs

When it comes to getting your jewelry appraised for insurance purposes, you want to choose a trusted and experienced jeweler. That’s where David Stern Jewelers comes in. Located in beautiful Boca Raton, Florida, they are the go-to destination for all your jewelry appraisal needs.

With their team of GIA certified gemologists, you can trust that your jewelry will be accurately appraised. Whether you have high-value items or sentimental pieces, they have the expertise to assess their worth and ensure you have the proper insurance coverage.

David Stern Jewelers is also a Jewelers Mutual Verified jewelry appraiser, which means they adhere to the highest standards of professionalism and expertise. You can have peace of mind knowing that your jewelry is in safe hands.

In addition to their expertise, David Stern Jewelers offers a hassle-free experience. Their appraisal process is done while you wait, so your jewelry never leaves your sight. This not only ensures the security of your precious pieces but also saves you time.

So, if you’re in Boca Raton or searching for “jewelry appraisals near me,” look no further than David Stern Jewelers. With their exceptional service and expertise, you can trust them with all your jewelry appraisal needs. Remember, getting your jewelry appraised every three years is essential for your peace of mind and the protection of your investment. Choose David Stern Jewelers and experience the best in jewelry appraisal services.

If you’re unable to attend the scheduled appraisal day, there’s no need to worry. You can simply drop off your jewelry a day or two ahead of time. Our professional appraiser will assess your piece between other appointments on the day of the event. Rest assured, your item will be securely stored in our vault until the appraisal process is complete. You can then pick up your jewelry whenever it’s convenient for you.

What to expect during a jewelry appraisal

During a jewelry appraisal, you can expect a thorough examination of your precious pieces by a certified gemologist. The process usually starts with an initial assessment of the jewelry’s condition, including any wear and tear or damage. The appraiser will then examine the gemstones or precious metals present, noting their quality, color, cut, and carat weight. This detailed examination ensures an accurate appraisal and helps determine the current market value of your jewelry.

Next, the appraiser will research the market to assess the current value of similar pieces. This involves looking at market trends, prices of comparable jewelry, and any other factors that may influence the value of your pieces. This step is crucial in determining the accurate appraisal value.

Once the appraisal is complete, you will receive a detailed document that includes a description of each piece, the gemstone or metal characteristics, and the appraised value. This documentation is essential for insurance purposes, probate appraisals, or estate planning.

Remember to keep a copy of the appraisal for your records and to update your insurance policy accordingly. It’s recommended to repeat this process every three years to ensure your jewelry is properly protected and its value is accurately reflected. So, whether you’re in Boca Raton, Florida or searching for “jewelry appraisals near me,” consider the expertise and convenience of David Stern Jewelers for all your appraisal needs.

Remember, getting your jewelry appraised every three years is crucial for insurance purposes, so take the time to find a reputable appraiser who meets your needs.

Understanding Jewelry Appraisal vs. Selling Quote

When diving into the world of jewelry, it’s crucial to understand the distinction between a jewelry appraisal and a quote for selling a pre-owned piece. Though they may seem similar, they serve very different purposes.

Do I Need to Bring My Jewelry Back for an Appraisal Update?

Absolutely, bringing your jewelry back to the store is essential when updating your appraisal. Here’s why:

  • Verification of Condition: Our experts need to ensure that your piece hasn’t been altered or damaged since the last evaluation. This helps maintain the accuracy of your appraisal.
  • Updated Market Values: Jewelry values can fluctuate with changing market trends. A physical examination ensures your appraisal reflects current conditions.

To ensure you receive the most accurate and up-to-date appraisal, we recommend visiting us with your item, even if your last evaluation was conducted years ago. This practice guarantees the integrity and value of your cherished pieces.

Jewelry Appraisal

A jewelry appraisal is primarily utilized for insurance and estate planning. This process involves a thorough evaluation of your jewelry to determine its replacement value in the event of theft, loss, or damage. Appraisers assess factors like the gemstone quality, metal type, and craftsmanship. This results in a formal document outlining these details along with the appraiser’s professional opinion. Remember, the appraisal value reflects the cost to replace the item, not the current market resale value.

Quote to Sell

In contrast, when you’re receiving a quote to sell your jewelry, you’re finding out how much you can expect to sell it for in the current market. This often involves a free evaluation where experts consider the condition and demand for your specific item. This process doesn’t require the detailed documentation of an appraisal because it’s focused on providing an offer based on the item’s resale value rather than its replacement cost.

Key Differences

  • Purpose: Appraisals are for replacement and insurance; selling quotes are for determining resale value.
  • Documentation: Appraisals result in a formal, detailed report. Selling quotes are typically informal estimates.
  • Cost: Appraisals generally involve a fee, whereas getting a selling quote is usually free.

Understanding these differences is essential to ensure you’re making informed decisions, whether protecting your investment or looking to convert it into cash.

Keeping records and updating your insurance policy

When it comes to protecting your jewelry investment, keeping records and updating your insurance policy are essential steps. After getting your jewelry appraised every three years, you will receive a detailed appraisal document. It’s crucial to keep a copy of this document for your records.

Having a record of your jewelry’s appraisal value is vital for insurance purposes. In case of loss, theft, or damage, this document will serve as proof of the jewelry’s worth, ensuring that you are properly compensated by your insurance company. It can also help expedite the claims process and prevent any potential disputes.

Updating your insurance policy is another critical aspect of protecting your investment. The value of jewelry can change over time, so it’s crucial to adjust your coverage accordingly. If your appraisals reveal that certain pieces have significantly appreciated, you may need to increase your coverage to ensure they are adequately insured. Conversely, if some pieces have depreciated in value, adjusting your policy can help prevent overpaying for coverage.

To update your insurance policy, contact your insurance provider and provide them with the updated appraisal documents. They will assist you in making the necessary adjustments to your coverage.

In conclusion, keeping records of your jewelry’s appraisal value and updating your insurance policy are crucial steps in protecting your investment. By doing so, you can ensure that your pieces are adequately insured and have peace of mind knowing their true value. So, if you’re in Boca Raton, Florida or searching for “jewelry appraisals near me,” remember the importance of updating your insurance policy every three years and consider the expertise of David Stern Jewelers for all your jewelry appraisal needs.

Understanding the Value of Your Jewelry Appraisal

Understanding the value of your jewelry appraisal is essential in ensuring that you have the right insurance coverage and that your precious pieces are adequately protected. When you receive your appraisal report, take the time to carefully review and understand the details provided. Look for important information such as the current market value of your jewelry, the quality and characteristics of the gemstones and metals, and any unique or intricate details that contribute to its value.

Having a thorough understanding of your jewelry appraisal allows you to make informed decisions about your insurance coverage and any necessary adjustments. It also gives you a clearer picture of the worth of your pieces, which can be beneficial if you are considering selling or passing down your jewelry in the future.

If you have any questions or need clarification about the appraisal report, don’t hesitate to reach out to the appraiser. They are there to provide guidance and ensure that you have a comprehensive understanding of the value of your jewelry.

By taking the time to understand the value of your jewelry appraisal, you can make informed decisions about your valuable pieces and ensure that they are protected for years to come.

When you receive a jewelry appraisal, the value stated is what it would cost to replace the piece with a new one of comparable quality, should it be lost or stolen. This appraisal value reflects the retail price for a similar item at the time of appraisal, taking into account craftsmanship and materials. However, this value should not be confused with the resale value.

Resale value, on the other hand, is what you might get if you decide to sell the piece after it has been worn. Typically, once jewelry leaves the store, its resale value drops significantly. This decrease is due to factors like wear and tear, market demand, and the style’s current popularity. Unlike real estate or stocks, most jewelry doesn’t appreciate in value over time, and thus the resale price you can expect is often much lower than the original appraisal value.

In short, while an appraisal provides a replacement cost for insurance purposes, the resale value reflects what buyers are willing to pay for a pre-owned piece in the current market.

Tips for Maintaining Your Jewelry’s Value

As a jewelry owner, you want to ensure that your pieces maintain their value over time. To help you with this, here are some tips for maintaining your jewelry’s value.

Firstly, regular maintenance is key. Clean your jewelry regularly using mild soap and a soft brush, and have it professionally cleaned and inspected by a jeweler at least once a year. This will keep your pieces looking their best and prevent any damage or deterioration.

Secondly, store your jewelry properly. Keep each piece in a separate compartment or pouch to prevent scratches and tangling. Avoid storing jewelry in humid or hot areas, as this can cause damage to gemstones and metals.

Thirdly, avoid exposing your jewelry to harsh chemicals, such as cleaning agents or chlorine. These substances can damage the metals and gemstones, leading to discoloration or even breakage.

Lastly, consider getting regular appraisals every three years. This will not only ensure that your insurance coverage accurately reflects the current value of your jewelry but also provide documentation for any potential resale or inheritance purposes. Look for reputable jewelry appraisers in your area, such as Boca Raton or Delray Beach, Florida, who are certified by organizations like Jewelers Mutual or GIA gemologists.

By following these tips and getting regular appraisals, you can maintain the value of your jewelry and protect your investment for years to come.

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Debbie B.
My jewelry was appraised by David Stern at his Boca Raton location. David Stern is a professional who explained the jewelry appraisal process with clarity...
Great experience. Polite, professional, and resolved my issue very fast. Highly recommend.
Response from the owner:Thank you for this review. I always do my best to make the experience as pleasurable as possible
David, is a true designer of jewelry. He has been great understanding the design from the concept that we had in our mind and able to create it, better than we expected. He is also a very honorable person and great to work with! Gina and Paul
Response from the owner:Thank you for the outstanding review You were a pleasure to work with. Regards, David Stern
David did a fabulous job making our rings. We could not have asked for better service. Very knowledgeable.
Response from the owner:Thank you for your great review. You both were a pleasure to work with. Enjoy the rings David Stern
I loved my experience with David! My engagement ring had been given to my husband through a string of people so we didn’t know much about it. I came into David’s jewelry shop to get some answers about it. David sat down with me and patiently answered all of my questions, told me more about the ring, and even cleaned my ring. He didn’t even end up charging me! I really enjoyed my experience and will definitely be back for all of my future jewelry needs :)
Response from the owner:Thank you for your great review my goal is to make each and every client lieve my store with a smile on their face When you think jewelry think David Stern Jewelers. YOU CAN SEE MY WEB SITE AT DAVIDSTERNJEWELERS .COM
Although writing a testimonial and supportive review is not something I often do, there are a handful of special moments in one's life when you encounter a service, product or company that thoroughly exceeds your expectations. So very much so, and in every capacity, that you feel as though you'd be remiss if you didn't share your wonderful experience with the world. THIS is one of those times! I am a REAL CUSTOMER and this is my unsolicited story. I respectfully encourage you to read on. After conducting a fair amount of Due Diligence and reading the reviews about reputable Jewelers -- just as you're probably doing right now -- I can honestly say that I couldn't be more pleased with the expert guidance, creativity and fair-priced service that I received at David Stern Jewelers. My first encounter with David Stern was by telephone, and within just a couple of minutes or so, after I had explained the nature of my multiple inquiries, I was convinced that my search efforts had paid off and that I'd truly found the right guy! I made an appointment to visit with David that afternoon and was later greeted by David at the door. His outright friendliness was candidly warm, personable and very down-to-earth. This put me at ease right away and we went into his office for a personal consultation. I explained that subsequent to my Mom's recent passing, my brother and I had inherited her fairly extensive collection of all kinds of jewelry … it included a mixture of diamond pieces, white & yellow gold bracelets, necklaces, rings, pins -- both Vintage and Current -- along with many pieces of costume jewelry. This entire collection would, at a later date, be fully evaluated, assessed and render a proposed cash offer. Among other things, I first wanted to repurpose the diamonds from two of my Mother's rings to create a one-of-a-kind Engagement Ring for my very deserving Fiancée. Like a couple of old friends working together, I described to David what I was looking for and, on very short order, David came up with a basic sketch rendering. It incorporated several sentimental stones from both of my Mom's rings ... David's creative vision for this finely crafted piece was amazing! Truthfully, ten days later when I picked up the finished ring, I was blown away by its exquisite and gleaming design … so was everyone else, especially my Fiancée … when I proposed!! It was a custom creation from the ground-up that only someone with David Stern's talent could precisely fabricate. Since the purchase of that beautiful ring, I've been back to see David several times. Each time, he insists on cleaning and polishing whatever pieces of jewelry I/we happen to have (routinely Free-of-Charge) and we're always greeted like "Family". Our most recent appointment was a three-hour Cost-Free consultation to appraise and assess our Mother's entire collection of jewelry. We selected a few pieces that we wanted to keep in the family, and then decided to accept David's generously-fair Cash-Offer for the remaining pieces. I can honestly say that when it comes to Jewelry, you won't find a nicer, more-qualified, pleasant, genuine, knowledgeable, trustworthy, considerate and fair-minded person than David Stern. You simply cannot go wrong with a guy like this and I can't think of a single reason to shop for jewelry anywhere else! David B. Boca Raton, Florida
Response from the owner:Wow what a great review This is the recognition that would make any artist /business man/designer get a big head I’ll keep mine under control and continue to do whatever it takes to make my clients feel as good as you have made me with your review Regards David Stern
I lost the diamond in my custom designed wedding ring when the setting prongs became loose without me realizing. I was beyond heartbroken and sad and it actually took me 4 years to look for a jeweler that I could trust to help me. My original setting was too high and I thought I would have to have the ring completely redesigned. After a diligent search , I found David Stern Jewelers. David was very welcoming and entering his store felt more like visiting an old friend than a stuffy, uptight establishment that most jewelry stores feel like (to me, anyway). David assured me that we could lower the setting and he had a beautiful pear shaped diamond that fit perfectly. And, amazingly enough, he had the new diamond in the new setting within 3 hours! I'm so happy that I walked into that little "gem" of a store and met David! He's the real deal!
Response from the owner:Thanks you for your kind review, It was have fun working with you and it was great that I had the exact diamond you were looking for at the price you wanted to spend, that it was perfect for your original ring which is sentimental to you Regards, David Stern
I was looking to have insurance appraisals done on a few pieces of jewelry and found David through a very lucky Google search! I wanted a private jeweler with the professional experience, but personable demeanor. David was pleasant and prompt and shared some knowledge with me while I watched him work on the evaluation. I will definitely return to him!
Response from the owner:Thank you for this great review It was a pleasure working with you regards David Stern
Working with David was exceptional! He was extremely helpful and knowledgable when my boyfriend and I were picking out an engagement ring. The whole process from start to finish was professional and fun! We would highly recommend David Stern Jewelers for any and all of your jewelry needs!
Response from the owner:Thank you You were both great to work with and it was so good that Taylor bought you the best diamond and ring that you wanted You have a good man, you are a beautiful soul. (And beautiful woman)l wish you a great life together All the best David Stern
I went to David to have an engagement ring appraised because of his excellent reviews. I was very impressed with David’s knowledge and honesty and was glad to see that the great reviews were well earned.
Response from the owner:Thank you for the great review I am always available to help you for any of your jewelry needs
Michelle E.
I just came from the store and David is amazing! He spent 3 hours with me to discuss designing a piece. He was so patient sans had amazing taste. We can't...
Cynthia J.
I was recommended to visit David Stern Jewelry for an appraisal on two pieces of Alexandrite jewelry. David directed me in the right direction of including...
David was incredibly professional got my ring done ahead of schedule. I had been looking for somebody to make me an engagement ring for some time and felt pretty uncomfortable dealing with many of the jewelers I had spoken with. Fortunately for me I stumbled into David's shop and he walked me through all the steps and made the process super comfortable. He listened and was receptive to what I asked for in a ring, and my god did he deliver. I would recommend David Stern 10/10 times and I look forward to doing all of my future business with him.
Response from the owner:Alex, Thank you for the review. Recognition for good service and work is the best thank you I can get. Thank you again. Please think David Stern Jewelers for any future jewelry needs. No sale or custom work or repair is too big or small
We had an amazing experience with David and Milo and will definitely return soon!
Response from the owner:Thank you for taking the time to write this review. You were a pleasure to work with. Regards David Stern
From start to finish David was professional and honest. A pleasure to work with.
Response from the owner:It was a pleasure working with you Thank you for your great review
David was able to appraise my jewelry piece while I waited at a very reasonable price! Helped me with 2 other pieces that needed repair. All in all, I had a very agreeable experience with someone who is very professional, knowledgeable, helpful and friendly. My place to go with any jewelry needs!!
Response from the owner:Thank you for this kind review. You were a pleasure to work with. Regards, David Stern
After speaking with many jewelers but being unable to schedule an appointment, David agreed to see us and appraise our ring the same day. He did a thorough and complete job explaining the process as he went. His knowledge and care were remarkable. Without prior discussion or appointment, he spontaneously and generously provided information about additional jewelry that we were unable to obtain elsewhere and he agreed to repair a bracelet we thought was unfixable - and at a reasonable price. We are grateful that we found him and Milo and we will definitely return!
Response from the owner:Thank you for your great review. It was a pleasure to work with you. So glad you enjoyed your time with me Regards. David Stern
I highly recommend David Stern. His jewelry is of the highest quality and he has the most unusual pieces. Also being a nice trustworthy gentleman doesn’t hurt either.
Response from the owner:Thank you for the great review. Always good to receive such compliments Regards David Stern
I brought in my engagement ring for a “second opinion” because when someone at the International Diamond Exchange resized my ring, it came back with unremovable residue under the diamonds in the setting, and denied that it was a problem. David and Colleen told me they would put it in an acid bath, and they kindly removed my center stone to avoid damaging anything. They placed the stone safely in a little pack for me to take home, which was so wonderful because it is a family stone. I hope to be picking it up soon. David said it would look as good as new! Because they were so kind, I went ahead and asked them about a design for my fiancé’s wedding ring. David gave me a great estimate and set up a plan for me that I can afford (I’m about to graduate college) and told me he would make it exactly to my specifications. I am so excited! Thanks to Rob, Colleen, and David. Such amazing service, and for a walk-in no less!
Response from the owner:Thank you for you kind review Tara. Always happy to help. I see too many easily remedied jewelry issues that upset people. Jewelry is a personal and emotional item. David Stern Jewelers is always available for advise and correction. We are not only a jewelry store we are trained professional career jewelers that do all work in house and sometimes if posible while you wait.
David is very professional. He explained the process for a jewelry appraisal and provided a detailed, quality report. He is very knowledgeable about diamonds, explaining the differences between lab grown and mined diamonds. David provided a fair price to buy a diamond as well. He repaired a ring and polished my diamond while I watched. David is reputable and I would work with him again.
Response from the owner:Thank you for your kind review. It was a pleasure to work with you Regards David Stern
Mr. Stern went above and beyond expectations for me. I highly recommend
I had a wonderful experience getting some jewelry appraised. David was honest and upfront about the pieces. Gave me some good advice about buying pieces while on a cruise (will not make that mistake again!). I will be back in the future to actually purchase pieces from him as he has beautiful pieces in his store that many of them are made and designed by him directly. Very satisfied!
Response from the owner:Thank you for your great review. Best thank you anybody could give me Have a safe trip home and good luck and enjoy your sons wedding Regards David Stern
David, the owner of the store that bears his name is a true professional with decades of experience. His advice for valuations are spot on, but more important, he will not only design for you, he will deliver as promised.
We went to see David about a new jewelry purchase we made. We choose David for the reviews he has received. My wife and I could not be happier. David was patient answering all our questions and his advice was spot on. This is a man of integrity and we would recommend David just based on his knowledge and demeanor. We received a new appraisal within 15 minutes and the cost was reasonable as expected.
Response from the owner:Thank you for your great review Enjoy your jewelry Regards David Stern
My girlfriend and I went to see David to have a few sapphires appraised and were very surprised and overly happy with not only his honesty but also his knowledge. He definitely went above and beyond! Would recommend him to anyone. Mike
Response from the owner:Thank you for your acknowledgement of my services. All was a pleasure to educate and explain clients questions. I look forward to working with you again Regards David Stern