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I have an appraisal from the seller of online pearls. Is this for real an fairly accurate value or basically bogus? It seems high. I have a matching set of bracelet great Hadana 7.0 mm rose tone pearls, it has a retail value appraisal of $3,600?? Will insurance use this amount to insure them?

I realise I should have come to this site first...hindsite 20/20. I purchased a strand of these pearls online. It is a pretty good image, maybe a tiny bit blury. I got them made into a complete set. Whats everyones idea on quality and value? If not I am going to return them, I know I can get...