I'm gonna play devil's advocate here for a moment:
When we originally got our house appraised (as first time homebuyers, 15 years ago), and when I got some antique (and terribly battered) books appraised this spring, and when I watched Antiques Roadshow on various occasions, I was startled by the subjectivity of the process. Ultimately an item is as valuable as the market says it is...and it is in an appraiser's best interest to give you a high number. I fully agree that quilt labor is seriously undervalued, but it is also consistently undervalued, which suggests that the market is setting a value that no amount of appraisals is going to change! I wish it were otherwise.
I would also be a tiny bit afraid that poverty-stricken newlyweds might see a high number on the appraisal ticket, and try to sell their brand new quilt! (Cynical me.)
Alison