Television "appraisal" programs have raised a curiosity about the value of treasures in our homes. Have you wondered about the worth of your possessions? Is grandma's quilt worth thousands of dollars or is it of little value? You have no intention of selling the item because it has been in the family as long as you can remember. Yet, you are curious. How can you be certain of its value?

Beyond mere curiosity, an appraisal can be key to protecting your interests in many financial dealings.

The Individual - Comprehensive inventories of personal collections and household goods for insurance needs and estate planning.

The Attorney - Appraisal of household effects in the settling of estates or objective inventories in the division of personal property in divorce agreements.

The Bank...Trust Department - Appraisal of personal property prior to its distribution or sale.

The Insurance Company - Inventories in the preparation of insurance policies or in the settling of claims or loss.

The Moving/Shipping Company - The assessment of loss or damage of property for an amicable settlement.

An appraisal helps you manage these and other risks by providing a well-developed, documented and unbiased estimate of value upon which you can base your financial decisions.

A professional appraiser has spent many years studying history, design, craftsmanship, product knowledge and appraisal practices. You will receive a written document that describes your property clearly and accurately with values that are substantiated by research in the appropriate markets. An important and sometimes overlooked component is that professional appraisers adhere to a standard of ethics that has been developed by their professional associations.

Look for an appraiser who has experience in appraising property similar to yours and that complies with generally accepted technical and ethical standards. High standards and quality service are the marks of the professional appraiser!