Insuring an action

[David Love]

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I state in my contract, when I take a piano or action, that the item is =
insured for the appraised value at the time of loss and I will provide =
that amount if requested.  If the individual wants to insure for =
additional, then they have that option.

David Love
  ----- Original Message -----=20
  From: Farrell=20
  To: pianotech@ptg.org=20
  Sent: October 29, 2001 4:06 AM
  Subject: Re: Insuring an action


  I know none of us are lawyers here (yes?), so perhaps there will be no =
definitive answer here. But it seems to me to be pretty far fetched for =
a piano owner to "force you to buy a whole new piano" in a case like =
this. I could certainly imagine an extreme situation where they claim =
that a tech ruined their action - the part they worked on. But if the =
tech did nothing to the case and belly, etc., but remove the action from =
it, how in the world could anyone make a claim for a whole new piano =
stick?

  I shudder to think............you don't have any direct experience =
with a case like this.............do you?

  Terry Farrell =20
    ----- Original Message -----=20
    From: Wimblees@AOL.COM=20
    To: pianotech@ptg.org=20
    Sent: Sunday, October 28, 2001 7:59 PM
    Subject: Re: Insuring an action


    In a message dated 10/26/01 10:07:03 PM !!!First Boot!!!, =
jbaird@fgi.net writes:=20



      Although I have had many piano actions in my shop before, I would =
like=20
      to hear from others about the amount of insurance that is =
advisable.=20

      I will soon have a 12 year old Steinway L action in my shop. If it =

      should be destroyed, would the $10,000 Bailees and $10,000 Cargo=20
      coverage I now have through PTG be enough? There's the cost of the =
new=20
      action itself, of course, but then the considerable cost of time =
spent=20
      making the action feel at home in its new host.=20

      Other considerations?=20

      Thanks, John Baird=20



    John=20

    Although the insurance you have might cover the cost of replacing an =
action, in the event the action is destroyed, and you had to buy a new =
one from Steinway, the customer might come back and say the piano just =
doesn't sound and play the way it used to, and force you to buy a whole =
new piano. Therefore, you might want to consider getting a short term =
rider on your present coverage, increasing the amount of insurance for a =
short period of time to cover the cost of replacing the piano. Talk to =
Jerry about this. The cost would be very minimal. Yes, you should also =
ask your customer to check with their insurance to see if the action and =
the whole piano is covered, but I would still get the extra insurance to =
protect yourself. Insurance companies have way of not paying claims if =
they think they can get away with it. For the few dollars it will cost =
you for the rider, it is better to be protected all the way on your own. =


    Wim=20

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