Totally respecting everyone's opinion or believes here.
However, who in their right mind would even, considering the
annual fee for insurance, pay for an appraisal for insurance purposes.
next question and please note:
I do not wish to get into a back and forth, well, buts, maybes, you are out to lunch etc, and: how dare you say! situation. I am speaking out of personal experience and ask: which dealer can or would guarantee a certain price (appraisal) for a certain item and be unbiased? I mean totally unbiased! And not calling a "friend' and tell them to make an offer.(remember.. I experienced this personally in a scenario very close to the one on hand where I was asked what to do, where to go to find out)
it is easy to say: according to the latest and current catalogues, the present evaluation is..
IN MY OPINION ....xxxxx dollars.... and my fee is...
As I said: please,
NO challenges, because I would have to possibly say a name... and will not.
But Pacific, next time we meet, you need to buy a lot of beer..(maybe our next auction in May)IPA, shipwreck, to make me say who. Or better, Glenn Morangie d'or scotch.
A written appraisal has to have a foundation and has to be based on facts, not just opinions.
If someone just wants opinions, well, pay 20 dollars for a opinion of a
TPG grade and buy yourself the latest Charlton paper book.
It is right there. remember,
there are NO professionals in the Numismatic business because there are NO regulations concerning Grades. There are only some persons with more experience than others.
Professionals do have a legal liability when paid for their work. If they are wrong, they can be sued.
Then it is up to an Insurance underwriter to accept or NOT, the credentials of someone's appraisal and to issue coverage.
OR to the owner of the item in question to accept what he paid for or not...
BTW, my personal issue mentioned above was solved very easy.
I told the owner what I would pay for these notes and gave her 5 names of dealers (BC, Alberta and Saskatchewan )where to send the list to and ask them if they were interested. (I made the list and took images of 21 french key notes). that was 5 weeks ago. Only one has replied so far with a request to see the notes.
Does that tell you something? The notes are now back in Alberta where she lives.
My advise was that the best bet to sell them is to a serious collector, negotiating Face to Face.