Florida questions
Before I cometo the cellar.
Nothing here is tax, legal, or insurance advice. Coverage questions belong to your carrier and your broker; I establish condition and value in writing so they have something to work from.
How much does a wine appraisal cost in Palm Beach?+
A signed, USPAP-compliant written valuation starts from $1,400. The fee is flat or hourly, quoted in the engagement letter before I start, and set by bottle count, the number of locations, and how much research the significant lots need. USPAP prohibits an appraiser from charging a percentage of the value reported, so my fee never moves with the number in the report.
Which areas do you cover in South Florida?+
Palm Beach, West Palm Beach, Jupiter, Boca Raton, Fort Lauderdale, and Miami as a matter of course, with no travel charge. Naples is served by arrangement, with the drive quoted at cost. Anywhere further is quoted the same way — at cost, in writing, before anything is booked.
I am only in Florida part of the year. When should the appraisal happen?+
While you are in residence, and ideally before hurricane season rather than after it. A valuation and inventory dated before an event is the document that matters if a claim is ever made; one assembled afterwards is reconstruction. If you keep cellars in two states, we can plan one engagement that covers both.
My cellar lost power during a storm. Can you assess the damage?+
Yes. I inspect for heat exposure — pushed corks, raised capsules, seepage, label staining, changed fill levels — and write a condition assessment with photographs, recorded against each inventory line and measured against the pre-event value where a prior appraisal exists. It is written for an adjuster to work from. I am not a public adjuster and do not negotiate the claim itself.
Do I need an appraisal to insure a wine collection in Florida?+
To schedule it, in almost every case yes. Wine sits inside your general contents limit until it is scheduled, and that limit is rarely written with a serious cellar in mind — a point that matters more here than most places, given the loss profile. Carriers differ on how recent the valuation must be, so ask yours before commissioning the work.
Can you appraise a collection kept in two states?+
Yes, and it is the common case in Palm Beach. One engagement, one reconciled inventory, one report, with every lot recorded against the address it actually sits in. That reconciliation is frequently the most useful part of the exercise, independent of the valuation.
How long does it take?+
Generally two to three weeks from inspection to signed report. The inspection itself is a morning for a few hundred bottles and a day or two for a collection across several addresses. If you are working to a closing, a filing, or a departure date, say so on the first call and I will sequence around it.
Do you buy wine, or sell it for clients?+
Never. Clients pay Prestige Vin directly and nobody else pays us anything — no retailer margin, no consignment share, no referral fees. If the collection should be sold, that goes in the report as a recommendation, naming the houses I would approach and what each would cost you. Where an estate needs the whole question resolved rather than only valued, that is Estate Triage, from $2,100.