Answer
Where can I get a diamond appraised in Johannesburg?
Pick the right tool for the right purpose.
GIA grading report. The international standard. The GIA does not have a SA laboratory, but several Bedfordview and Sandton dealers offer GIA submission as a service. The dealer takes the stone, ships it to GIA via insured courier, and returns it with the report 4 to 8 weeks later. The fee covers the GIA grading cost (USD-denominated), the courier insurance, and the dealer's handling. Use this if the stone has no current GIA report and you intend to sell or insure it as a long-term asset.
Independent gemmologist appraisal. Done locally, same-day or within a week. The gemmologist confirms the four Cs against current market value (using Rapaport benchmark or international auction data), photographs the stone, weighs it, plots inclusions, and issues a signed appraisal certificate. This is what your insurance broker actually wants. Look for an independent gemmologist accredited by a recognised professional gemmological or jewellery-industry body, several of whom practise in Johannesburg.
Dealer trade-in valuation. Free, fast, and conflicted. The dealer is telling you what they would pay you, which is the wholesale price minus their margin. Useful for negotiating a sale to that dealer; useless as a "what is my stone worth" reference.
Independent gemmologist appraisal is the right choice for the typical buyer. The full grading-report context is in A reader's guide to SA diamond certificates. The Bedfordview corridor where most appraisal services cluster is in Where Johannesburg's diamond money actually goes.