Jewelry valuation Submit a Claim Contact Us & replacement experts since 1981.

We understand the needs of...


Empathy. Fairness. Professionalism. Since 1981, Gemcor has processed over 200K jewelry claims. We'll help you with your claim - impartially and with compassion - so you get a quick and fair settlement.


Cost valuation. Replacements. Salvage. We'll provide you with quick and accurate valuations and peripheral services so you can close your claims faster - making your customer and your carrier happy.


Efficient. Supportive. Cost-effective. Lower your expenditures and increase customer satisfaction and retention by partnering with us. Our focus on fair outcomes has made us an industry leader.


Our Mission

Over 40 years of service

We treat every claim with the care and compassion we would hope for if we experienced the loss ourselves. Our clients value this personal approach and Gemcor has been blessed with a loyal and growing client base - some of whom have used our cost valuation, replacement and salvage services since Gemcor's inception.

Our clients are among the highest consumer rated Property & Casualty Companies in the Insurance Industry.

About Us

The Family Story

Gemcor is a family-owned business - two generations providing jewelry valuations and replacements for the insurance industry since 1981. Our founders Richard Heiss and his wife Carolyn created Gemcor as a cost-saving solution to to protect insurance companies from paying inflated appraisal values for replacement diamonds and jewelry items. Now we're so much more.

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Authority. Trust. Security.



Gemcor's Appraisal Guard ensures that appraisals for new and existing items have thorough gemological descriptions and realistic appraisal values.


Over-valued jewelry creates an incentive for a future claim. Inflated appraisal values are a common sales tactic. Under-valued jewelry does not bring in the premium revenue needed to offset risk. Insureds are often unaware that appraisal values need to be updated, until a claim is filed and it is too late.

Here's what our customers say...

Over the many years we have used the services of GEMCOR for replacement and valuation of jewelry losses, the satisfaction rate among employees and insureds has been very high. We often hear that you and your staff are ‘knowledgeable’, ‘easy to work with,’ and ‘responsive’…

I can think of no other national jewelry firm which we do business which has your equal… your caring approach to our policyholders and their individual needs wins AMICA friends in a not too friendly enviroment…

GEMCOR has served as the lead jewelry evaluation and replacement service for the State Auto Group since 1984. During that time they have demonstrated the topmost level of integrity in their dealings with our customers, agency partners, and company associates…”

I wanted to reach out and thank you so much for all your hard work and effort on my new ring. It is absolutely stunning and I am so happy with it. I appreciate your quick responses and your attention to detail. I know Jeff has worked more directly with you, but you have been so wonderful. I can't thank you enough!!

Thank you for such a perfect recreation of my ring. I inherited it from my dad, and it meant the world to me. I was sad and nervous that I needed a new ring, but it is even more beautiful than I remember and I am so thankful my adjuster approved the claim and introduced me to Gemcor.

I continue to say WOW to you and Ali!!! If I could own a business and be as emotionally invested as you guys are I would do it in a heartbeat!! Thanks so much—will be in touch!

The new ring is beautiful! I cannot wait to take it home to Shelby and show it to her. She will be thrilled with it. Thank you again for all your help and working with us on the extra work it took. You all were great to work with and I appreciate all the effort you put into this.

Kim stares at it A LOT and while riding with the top down she is constantly saying….”Sparkle, Sparkle, Sparkle …” as she rotates it putting glare all inside the car’s shadows….LOL. Thanks so much for making our 30th wedding anniversary forever memorable.