Jewelry of value should have its own documentation. Professional appraisers may charge more for a report, but it is worth the expense to know what you are buying, to know what you own, or to get what you own insured. Fees vary among professionals as do their qualifications. You should research the appraiser on your own before having the work done. Ask each prospective appraiser about his or her qualifications and appraisal education.
This website has a find an appraiser search feature to help you locate an appraiser in your area. It is not an all-inclusive list of appraisers nor does it guarantee their expertise. Other qualified appraisers may exist in your area, which is why you should ask questions.