I'm terrified of this process. I don't want to find out that my fiance got taken advantage of or this ring that I've come to love is worthless in the eyes of a professional. I know there is mark-up, so...I'm not expecting a great experience. Plus, I know roughly what he paid, and he did pay a lot more than I expected (I realize that his debts will be mine, and I did NOT want an expensive ring), so, I'm afraid of the whole appraisal process.
Putting a monetary value on this ring just seems so...crappy. I know we have to for insurance purposes, but what can I expect? Do they take the ring and keep it for several days or is it an in and out situation?