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Everything You Wanted to Know About Appraisals, But Were Afraid to Ask

Heather Nickerson, Artifcts
October 18, 2023

Reading time: 12 minutes

In honor of National Estate Planning Week, we thought we’d take a deep dive into the world of appraisals with an Ask Me Anything with our dear friend, colleague, and Ally in 'Stuff,' Sarah Reeder, Founder of Artifactual History Appraisal.

In addition to being an expert on ‘stuff,’ and specifically the value of ‘stuff,’ Sarah is also author of the book Ray Eames in 1930s New York, co-editor of Worthwhile Magazine™ and co-creator of The Art Elevator Collector’s Club. Read on to learn more about what she does as an appraiser, when to contact an appraiser, and even those questions we all want to ask (but may be afraid to!), such as the difference between an appraisal and a valuation.

Heather Nickerson, Co-founder of Artifcts: For our members who are new to the appraisal process, how would you sum up what you do?

Reeder: I like to think of what I do as being part lawyer, part accountant, and sometimes even part therapist! It might surprise some people, but appraisals are nothing like what you see on TV. My work entails numerous hours of research, the preparation of legal documents, and meeting meticulous professional requirements for appraising items to establish a value in a specific level of the market on a specific day (called the effective date) for a specific intended use. (We’ll come back to that later!)

Appraisals are nothing like what you see on TV...

The work appraisers do is a very specialized type of professional service akin to an attorney or an accountant that requires a lot of time and focused research, so the very quick and informal “off-the-cuff” depictions of appraising we all see on television have edited out the lengthy preparation (because it would be pretty boring to watch!) that goes into those short segments we see. But I wish it was more widely known that there is so much more work that goes into appraising than the 2-minute clips we see onscreen.

The therapist part sometimes comes into play because as you know so well here at Artifcts, objects can hold powerful memories and inspire strong emotions, totally independent from what their monetary value might be. Sometimes it’s a delicate conversation when the “heart value” and financial value are not aligned, and that is where I rely on market data and research to help individuals understand the current market conditions and corresponding value of the item. I always emphasize that market conditions should not diminish the positive sentimental associations they have with an item—they just happen to be the lens that appraisers must use in our professional work.

Nickerson: So, getting down to the nitty gritty, can you walk us through a typical day?

Reeder: There is no one typical day. That is one of the many things I love about being an appraiser, you never know what you’ll be working on next! There are two types of appraisals I spend most of my time on insurance appraisals and estate appraisals. And yes, they are different!

When I am working on an insurance appraisal, I am creating a legal document that will protect you and your items in the event of damage or loss. These appraisals are for the retail replacement value of the object and in doing so, pins that object and that value in time. That specific moment in time is called the effective date of the appraisal, and all appraisals have effective dates.

The effective date of appraisal is so important in all appraisal report intended uses, because it provides critical context for the numerical appraised value. The markets for art and antiques are always changing, much like the stock market we are more commonly familiar with, so the appraised values need to be contextualized to a specific day, because on the day before or the day after market conditions may have been different. For insurance appraisal reports, the effective date is typically the day I inspect the items in person as it establishes the condition I witnessed on that day.

The markets for art and antiques are always changing, much like the stock market...

When working on these types of appraisals, I spend a lot of time researching the object, documenting it with photos and a detailed description, cataloging it with a standardized format that will allow future users of the appraisal report to know the characteristics of the appraised item, researching the specific level of the market for similar items for the appraisal report’s intended use, and then developing an appraised value based on all the above.

In the case of insurance appraisals, the appraised value is generally the replacement value of the object (i.e. what would it cost to acquire the same exact or very similar object in a short period of time from a retail dealer). For example, if I am appraising a painting by a particular artist for insurance purposes, I’m going to identify which galleries represent that artist or sell paintings by that artist, and then compare their available inventory and pricing (which often is not publicly available and requires outreach to the galleries) to the appraised painting in terms of subject, size, condition, era of the artist’s career, and other factors.

Based on the current retail data I can obtain, I then make adjustments up or down if needed relative to the appraised painting, and document all relevant research for my appraisal client workfile, which I am legally required to keep for a minimum of 5 years. The final number after the specific adjustments from the comparable records accounting for differences from the appraised item is the appraised retail replacement value. So it’s all a lot more complicated and research-intensive than what the public typically sees in popular depictions of appraisers on television.

Insurance appraisals are very different from estate appraisals. Estate appraisals are not used for insurance coverage.  Estate appraisals are prepared at fair market value and are required in some situations to be filed with the federal government or relevant state and local governments for estate tax filing. The legal professional handling an estate is the one who determines whether this is required in specific estate situations.

While insurance appraisals are typically prepared at retail replacement value, estate appraisals are prepared at fair market value, which is often quite a bit lower. The United States government defines fair market value as

"The price at which the property would change hands between a willing buyer and a willing seller, neither being under any compulsion to buy or to sell and both having reasonable knowledge of relevant facts." According to Technical Advisory Memorandum 9235005 [May 27, 1992], fair market value should include the buyer's premium. [Source: Treasury Regulations Section 20.2031-1 (b).]

For estate appraisal reports, the effective date is typically at the time of the death of the deceased. This is very different than with insurance appraisals as it could take an executor months and months to close out an estate and yet the value is still pegged to the date of death. There is something called the “alternate effective date” which is 6 months after the date of death, which the estate can elect to use if the market has changed significantly in that time period. I always like to confirm which effective date the estate is using as this is a critical factor in guiding my valuation research.

Nickerson: Tell us a bit about the tools of your trade. What do you take with you when you visit someone’s home to start an appraisal?

Reeder: I am pretty consistent. I always take:

      • a good camera for capturing documentary photos
      • a tape measure so I can obtain the dimensions of artworks and the other items I am appraising
      • a clipboard and paper so I can take notes on-site that will later be expanded with research back in my office
      • a blacklight for examining artwork for inpainting and other restorations
      • a jeweler’s loupe for studying silver marks and other small details
      • a flashlight for studying artist signatures and providing additional ambient lighting for my photographs in dark locations.

I carry multiple flashlights and measuring tapes with me. If one breaks while I am on-site, I have a backup available to be able to continue working.

These tools are necessary, because I have to make sure I capture all the precise details that make your object unique. If it is artwork, is there an artist signature? Any blemishes or marks? Water or sun damage? All of these things are important to ascertain the value of an object, and I need to be able to document them while onsite.

 

Worn leather bag used for appraisalsSarah's trusty go-everywhere appraisal bag full of her tools of the trade. 

Nickerson: Some people, and I admit I was one of them at the beginning, may not know the difference between a valuation and an appraisal. Could you help explain what makes the two different?

Reeder: Sure! The Uniform Standards of Professional Appraisal Practice (USPAP) define valuation services as:

“A service pertaining to an aspect of property value, regardless of the type of service and whether it is performed by appraisers or by others.”

An appraisal is defined by USPAP as:

"(noun) the act or process of developing an opinion of value; an opinion of value. 
(adjective) of or pertaining to appraising and related functions such as appraisal practice or appraisal services.
Comment: An appraisal is numerically expressed as a specific amount, as a range of numbers, or as a relationship (e.g., not more than, not less than) to a previous value opinion or numerical benchmark (e.g., assessed value, collateral value).” 

In terms of the general popular context of these two words outside of their specific USPAP definitions, a valuation is typically more closely associated with ballpark estimates and not with a legal document. Think of it as something that will get you basic guidance, such as getting an approximate sense if an inherited collection is simply sentimental and has no monetary value, or conversely, if it might have significant monetary value.

A valuation is typically more closely associated with ballpark estimates ...

Appraisals are legal documents. A verbal ballpark numerical range cannot be used in court to settle an estate, with the IRS to document tangible assets for tax purposes, or with an insurer to document items for an insurance policy. USPAP-compliant written appraisal reports are needed for those intended uses.

Nickerson: Are there any red flags our members should watch out for when hiring an appraiser?

Reeder: One of my personal red flags is if the appraiser essentially says, "I will tell you how much it is worth and then purchase it from you.” There is a major conflict of interest there, and their interest may not be in your best interest.

Another major red flag is if an appraiser is not USPAP-compliant. USPAP is a very important professional and ethical standard regulating appraisers to help protect users of appraisal services.

It’s always best to look for an independent appraiser who is USPAP-compliant, and ideally is also a member of one of the professional associations for appraisers such as the Appraisers Association of America (AAA), the International Society of Appraisers (ISA), or the American Society of Appraisers (ASA). I am a Certified Member of the Appraisers Association of America and a Certified Member of the International Society of Appraisers.

You also want to make sure that any appraiser you hire has expertise in YOUR object(s). A jewelry appraiser may be great for your jewelry collection, but not your collection of mid-century modern furniture and vice versa. In USPAP, this is called the “Competency Rule”—basically, is this appraiser competent to appraise your items? If they aren’t, they shouldn’t do it.

You also want to make sure that any appraiser you hire has expertise in YOUR object(s)...

Nickerson: When should people hire an appraiser? Are there any life transitions that may necessitate an appraiser?

Reeder: Life transitions are a great time to take stock of what you have and what’s it worth. Some common life transitions where it can be useful to engage an appraiser are:

      • If you have inherited potentially valuable items such as artwork. An appraiser can provide expert guidance on their value and prepare an insurance appraisal report so they can be scheduled and protected with your insurance company.
      • If you plan on moving it can be very helpful to have valuable items appraised for insurance purposes in advance or to update an existing appraisal to make sure the insurance coverage is current.
      • For estate filing purposes when someone has passed. The estate’s attorney will direct whether an estate appraisal is needed.
      • For proactive estate planning purposes—if you have large collections, it can be helpful to get a sense of their value and how they might be structured in your estate plan for maximum tax efficiency for your heirs (again, your attorney will be a very helpful resource in this process).
      • Sometimes divorces are another life transition that may require an appraiser for the equitable distribution process. 

I get called into homes frequently for what I call "on-site consultations" when people have a lot of things (usually inherited) and they are worried about missing something that is potentially high-value. These consultations do not necessarily have accompanying appraisal reports. Most appraisers will charge the firm's hourly rate for this type of service. It can be really helpful for people in "getting unstuck" so they can move forward and make decisions for what's next for it all! 

Nickerson: And finally, you’ve experienced firsthand the joy (and usefulness!) of Artifcting. Any advice for our members or thoughts on how Artifcting can aid the appraisal process?

Reeder: Yes! Artifct your ‘stuff.’ Don’t wait! The details, photos, even video can help an appraiser get to work immediately determining an appraisal scope of work and sometimes even using the Artifcts as a resource to appraise items that may now be damaged or lost. It can save a lot of time and back and forth emails if you Artifct and share your Artifcts with your appraiser. Artifcts really is perfect for an appraiser’s workflow!

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Sarah Reeder is a Certified Member of the Appraisers Association of America, a Certified Member of the International Society of Appraisers with the Private Client Services designation, and a graduate of New York University's Program in Appraisal Studies in Fine & Decorative Arts.

© 2023 Artifcts, Inc. All Rights Reserved.

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What Will Your Family Remember? A Modern Family Archive for the Modern Family

In her recent New York Magazine article titled "What Are We Doing About Our Family Archives?" Kathryn Jezer-Morton raises a question many of us quietly avoid: what are we doing with our family stories, memories, keepsakes, and more?  

It’s the kind of question that quietly follows you into the attic, into the basement, into the moments when you open an old box and find yourself holding something that once meant everything to someone you love. A photograph with no names on the back. A recipe written in a familiar hand. A watch, a letter, a ticket stub—objects that feel heavy not because of what they are, but because of what they carry. 

Most of us don’t think of ourselves as archivists. And yet, in some ways, we all are. 

A body of research shows that family archives—photos, letters, heirlooms, even everyday objects—play a powerful role in how families understand themselves and pass meaning across generations. 

But here’s the challenge: most family archives are fragmented, overwhelming, and at risk of being lost. That’s where Artifcts offers a refreshingly modern approach. 

Your Family Archive, Reimagined 

Family archives are rarely neat or complete. They’re scattered across shelves and drawers, split between relatives, tucked into albums or forgotten in envelopes. And even when we hold onto the objects, the stories behind them begin to soften, blur, and eventually disappear. 

You might know what something is—but not why it mattered. That’s the quiet loss that happens over time. 

Artifcts offers a different way forward. Not by asking you to hold onto more things, but by helping you hold onto what matters most: the stories, the context, the meaning. 

Turning Moments Into Memories That Last 

Using Artifcts feels less like archiving and more like remembering—intentionally. 

When you create an Artifct, you’re not just cataloging an item. You’re pausing long enough to ask: Why is this part of my story? And then you answer it, in your own words, in your own voice. 

It might be an old photograph—one you’ve seen a hundred times but never really documented. You upload it, and suddenly you’re recalling the beach, the summer heat, the way your brother always stood just out of frame until someone insisted he joined. Maybe you don’t know everyone in the picture, but you know enough. And that’s enough to begin. 

Or maybe it’s a recipe. Not just ingredients and steps, but a ritual. The way the kitchen smelled. The way no one was allowed to sit down until everything was “just right.” You write it down, and then you add something more—a short video, perhaps, of someone in your family making it. Or an audio recording of you explaining why it matters. And don’t forget those “unwritten rules,” Grandma never did. Extra cinnamon, yes please! 

 

And just like that, something ordinary becomes something lasting. 

Hearing the Past, Seeing the People 

There is something powerful about hearing a voice again; seeing someone’s gestures, their expressions, the way they tell a story only they could tell. Artifcts allows you to add audio and video to your memories, and this changes everything. 

A written story is meaningful—but a spoken one feels alive. 

A written story is meaningful—but a spoken one feels alive. 

Imagine a future grandchild not only reading about a family tradition, but hearing it described in your voice. Seeing the way you smiled when you talked about it. That’s not just preservation. That’s a connection across time. 

Watching Your Story Unfold 

As you begin to add Artifcts, something unexpected happens. The moments start to connect. 

With our Artifcts Timeline feature, your memories are automatically arranged across years, decades, even generations. What once felt like isolated pieces becomes something more like a story unfolding. 

You begin to see patterns. Traditions that repeat. Moves, milestones, turning points. You see how one moment led to another, how a family becomes over time. Your kids and grandkids can see what made you “you.” And the entire family can better understand what matters most to you by the very fact of what you chose to Artifct.  

With Artifcts Timelines, your family archive is no longer just a collection. It’s a narrative pieced together by you over time. 

Letting Go Without Losing Anything 

If you’ve read this far and you’re dreading ending up with a basement full of everyone else’s stuff, fear not. One of the hardest parts of being the keeper of family history is the weight of it all—the responsibility, the volume, the feeling that letting go of something might mean losing it forever.  

Artifcts makes it possible to preserve the meaning of an item even if you decide not to keep the item itself. You can document it fully—its story, its significance, its place in your family—and then choose to pass it on, donate it, or simply let it go. 

What remains is what mattered all along. Not the object, but the memory it carried. 

A Living Archive, Not A Finished One 

Your family archive isn’t something you complete. It’s something you will continue. It grows as you remember more, as you ask questions, as you take the time to capture what might otherwise slip away. It becomes a shared space where stories live—not just for you, but for everyone who comes after you. 

And maybe that’s the real answer to the question Kathryn Jezer-Morton asked. 

We don’t need perfect archives. We don’t need everything organized and complete. We just need to begin. One photo. One recipe. One piece of jewelry. One story. 

Because in the end, it’s not the things we pass down that define us. It’s the meaning we choose to remember—and the care we take to make sure it isn’t forgotten. 

###

© 2026 Artifcts, Inc. All Rights Reserved.

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Eco-Decluttering Made Easy: How to Clear Your Space Without Creating Waste

Today is Earth Day—a perfect moment to take a fresh look at the way we live with our stuff. In honor of Earth Day, we’re tackling eco-decluttering, a thoughtful approach to clearing your space that’s as kind to the planet as it is to your peace of mind. Because decluttering shouldn’t just make your home feel lighter—it should reduce waste, extend the life of everyday items, and help build a more sustainable future.

Decluttering used to come with a nagging question: Where does all this stuff actually go? If your answer has ever been “uh… the trash,” you’re not alone. A 2024 Talker Research report found that although 77% of respondants claim to make efforts to be as sustainable as possible, respondants average throwing away 12 items a day! That's a LOT of stuff. 

Welcome to eco-decluttering, where clearing your space and caring for the planet go hand in hand. At Artifcts, we like to think of it as a three-step process: remember, release, and rehome. Because the goal isn’t just less stuff—it’s less waste, more meaning, and a lighter environmental footprint.


🌱 Step 1: Declutter with intention (not impulse)

Before you start tossing things into bags, pause. Not forever, just long enough to decide what truly matters.

Artifcts reminds us that many of the hardest items to part with aren’t junk at all—they’re memory-filled objects: travel mementos, old books, heirlooms, or even that outfit from a milestone moment.

Instead of letting guilt or nostalgia stall your progress, try this:

  • Capture the story first (photos, audio, or a quick written memory)
  • Keep a few meaningful items
  • Let the rest move on

This approach helps you avoid the all-or-nothing trap and makes decluttering feel less like loss and more like curation.


♻️ Step 2: Sort smarter—think beyond the trash bag

A classic decluttering tip still holds up: sort items into clear categories like donate, recycle, repair, or sell. Even professional organizers recommend prepping these pathways before you begin so nothing lingers in limbo.

But eco-decluttering adds an extra layer: default to reuse whenever possible.

Ask yourself:

  • Could someone else use this as-is?
  • Can it be repurposed creatively?
  • Is there a responsible recycling option?

If the answer to all three is no, then it’s time to let it go.


🌍 Step 3: Give your items a second life (the Artifcts way)

Here’s where our Artifcts Going Green Guides really shine. Once you’ve decided to part with something, you have more options than you might think:

1. Donate with purpose
Many everyday items are in high demand:

Even hospitals, universities, and disaster relief groups often accept specific items like blankets, gowns, or toys.

2. Share locally
Your “declutter” pile might be someone else’s jackpot:

  • Offer items to neighbors or community groups
  • Use local “buy nothing” networks
  • Pass things directly to friends or family

3. Repurpose and upcycle
Before you donate, consider whether an item could live a new life:

  • Turn old china into wall art
  • Reuse glassware creatively
  • Transform sentimental fabrics into keepsakes, such as quilts or pillow coverings

Sometimes, breaking up a set or reimagining a use makes all the difference. Sarah Reeder, founder of Artifactual History, offers some creative tips for repurposing old silver sets on one of our previous Evenings with Artifcts episodes. 

4. Recycle responsibly
For items like electronics or worn-out goods, skip the trash:

  • Check municipal recycling programs
  • Use retailer take-back programs
  • Look for specialty recyclers

The key here being that your local landfill is the last resort, not the default.


💡 Bonus: The “Artifct Before You Let Go” Rule

On the fence about whether to rehome, recycle, or otherwise part with an item? Maybe it's got a great story, or evokes fond memories. One of the most powerful ideas from Artifcts’ Going Green philosophy is simple: Capture the story before the item leaves.

When you do this, you can preserve the meaning without keeping the clutter, feel more confident letting go, and create a digital legacy that’s easier to share with loved ones and friends. 

Suddenly, decluttering isn’t about getting rid of things—it’s about keeping what matters in a better way.


🌿 The Bigger Picture

The average home holds far more than it needs, and much of it eventually ends up in landfills. Eco-decluttering flips that script. It’s not just about organizing your space—it’s about participating in a more thoughtful cycle of ownership.

So the next time you pick up an object and wonder, “Should I keep this?” try a better question:

“What’s the best next life for this?”

Because when your clutter becomes someone else’s treasure—or gets a second life entirely—you’re not just tidying up. You’re doing a little good for the world, one drawer at a time.

###

© 2026 Artifcts, Inc. All Rights Reserved.

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Spring Cleaning: The Clothing Edition

Spring has sprung and our closets are ready to spring forth as well. Clothing has a sneaky way of taking up space in our hearts AND in our closets, which is why this year we’re offering up some tips and tricks for spring cleaning dedicated to clothing and accessories.

Our expert tip on all things clothing? Artifct it, of course, and include a photo of you wearing it back in the day, if possible, to help you keep the memories, while you let go of the items you haven’t worn in years, if not decades.

But Artifcting is not the be all, end all. Are you ready to free up closet space? Let’s get started!

Seasonal Items

As you get ready to put your winter clothing into storage and take out your spring essentials consider what you actually wore this past winter and what you kept, thinking you WOULD wear.

In our household we make two piles—the “yes, I wore it” pile, and the “nope, never touched it pile.” We then take a hard look at that second pile to determine the reason WHY we never wore it. Was it not cold enough this winter? Does the item no longer fit? If the answer is yes to the latter, we consider who else might need or want it (nieces, nephews, etc.) or we pick our favorite charity to donate the item.

We also take a hard look at winter gear that has stood the test of time for years but may be on its way out. I broke down in tears this year over my husband’s beloved Patagonia down jacket. The memories, the adventures! However, it was hard to ignore the feathers seeping out of every seam. I found myself having to vacuum after every wear. We took it back to Patagonia hoping they’d be able to repair it as part of their Worn Wear Program, but alas, it was beyond repair. We agreed to let Patagonia recycle the jacket although not before Artifcting it!

 

Professional Clothing (aka Life Before COVID)

Remember when we used to get dressed up EVERY day and go into the office? The actual office. Not just our home office. Although memories fade, the clothing lingering in our closet(s) serves as a constant reminder of, “Oh yeah, I used to actually wear that stuff.”

This year I took a hard look at our professional clothes to determine what has a realistic chance of being worn again, and what can be relegated to the “life before COVID” bin (aka donation bin). We donate most professional clothing items to Dress for Success and sell a handful of items with TheRealReal. It’s amazing the closet space and hangers we regained this year when we were realistic about what we would wear post-COVID.

I admit there were some items I was reluctant to let go of because of the memories. My first pair of heels and my favorite ballet flats fell into this category. Both had been worn past any useful lifespan and yet, I didn’t want to let go. So, what’s a girl to do? You guessed it, I Artifcted them. And then I felt a little less guilty getting rid of them. Artifcts enabled me to keep the memories and let go of the actual ‘stuff.’

 

Kid Clothing

They grow so fast! My daughter’s closet is a ready target when it comes to spring cleaning. She’s now old enough to help with the process, and she knows once the items are donated she gets to pick out replacement items that fit. Extra motivation! And even together time since she’s now at the age when she loves to shop.

We usually donate the clothing she has outgrown to our local Goodwill store, although there are some items she’ll ask to keep and repurpose. She stunned us one year when she repurposed her old ballet tutu into a modern work of art!

T-Shirts

Yes, they deserve their own category. My dear husband has a way of coming home from every trip, conference, and work event with another t-shirt. We’ve relegated his t-shirt collection to one drawer and one under-the-bed bin. And yet. There are so many!

Although this go-around with spring cleaning most of his t-shirts were spared. Why? Because he wears them, all of them.

I, however, discovered that I had been holding on to a t-shirt in MY t-shirt bin that I hadn’t even worn. Not once. I was getting ready to Artifct it (and include photos and video of the event) when our youngest swooped in to claim it for herself. Being two sizes too big, it was declared “tres, tres chic.” Success! T-shirt re-homed. We often joke here at Artifcts that the best vintage shop in the world is probably Grandma’s closet! (Or in this case, my closet!)

 

Accessories

Since when did we own two dozen hats?

Like t-shirts, accessories tend to multiply like bunnies at least in our household. Hats, socks, and re-usable bags tend to be the worst offenders. Companies love to gift accessories as promotional materials, and most members of my household LOVE to accept those gifts. You see where this is going.

We have a bin dedicated solely to reusable bags, and another to hats. I took a hard look at both this past month and lovingly put out for free a dozen reusable bags and a half dozen hats. Much to my delight they were picked up within minutes of setting them out.

______________

On a roll? If you need some donation ideas outside the usual, check out the clothing section of Going Green. With Artifcts.

If instead you're ready for tips on decluttering and organizing beyond clothing, you may love our 15 Decluttering Targets for Artifcters or one of our Evenings with Artifcts episodes with Matt Paxton!

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© 2026 Artifcts, Inc. All Rights Reserved.

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