[flameboy54]

Some stores have in-house appraisers. Others, typically the mall stores, have a "mobile appraiser" that comes to the store on a specific day and they do an "on-the-spot" appraisal for you. There's appraisers that work independently in their own office also. The end result should be an official document with a description of the piece, description of the stones set in the piece, the replacement value and the signature of the appraiser with a gemmological designation (FCGmA, FGA or GG).