evaluations for insurance

[KeyKat88 at aol.com]

Greetings,

         If a piano that is about 20 years old, and in like new condition - I 
mean the people run a humidifier and the bridges show NO splits where the 
bridge pins are! - and the hammers are hardly grooved, soundboard has no splits 
and when you knock on it echoes like the dickens, then, how do you evaluate 
it's replacement value?

        Its a Yamaha 6'-1" CGE and I would think that to replace this piano, 
if anything should happen to it, it would require an almost new Yami CGE. 
Right?  So does one inform the insurance company that it is worth the going price 
of a CGE at today's price or the going rate of a 20 year old CGE that's used?  
Common sense tells me it would be worth about 3/4 to 7/8 of the going rate of 
a brand new one. Any advice on writing evaluations for insurance purposes 
would be help[ful.


Thank You,
Julia Gottshall
Reading, PA 
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