The information that can be obtained on a set diamond is limited. With that said, any appraiser worth their salt should be able to tell you a *ballpark figure* so that you would know if your close or not.
A good appraiser can usually work around a set stone to give you a fairly accurate appraisal.
If you have additional documentation in the form of a major laboratory's grading report done on the diamond while loose, then the appraiser should be able to give you an even more accurate appraisal.
You can get a very accurate appraisal of value on a set diamond if the quality is already a "given". If the appraiser must judge color and clarity on an already set stone that has no documentation, then the appraisal is more subjective on the grading aspects of the stone. An honest appraiser with a lot of experience can be helpful in doing this sort of work. A novice, o the other hand, is likely to do a rather loose job of it. Grading diamonds in any environment except while totally clean, in the best lighting and unset, is just full of problems.
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