> This damage would clearly affect its resale value, but since these > pianos are mostly used up and discarded, then we're looking at its > functional value, aren't we? > > > Yes, well, that is the question I'm asking. In terms of school pianos, > one could fill the thing with glue and pull the broken pieces mostly > back into position, but the damage would forever be visible. Looking at > the situation that way, the piano isn't totaled. But to do a repair in > which the damage is "erased" would cost way more than the piano is > worth; in that respect, the instrument is clearly totaled. > > Right? Right on both counts. It's probably usable as a school piano for another 73 years (then "donated" to a church), with some glue and creatively applied mechanical fasteners, but that wasn't the question. For insurance, it's totaled. Ron N
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