In a message dated 3/26/00 12:39:34 PM !!!First Boot!!!, wardprobst@cst.net writes: << would recommend you contact your agent, have an estimate made by a professional, and let the insurance handle it. If you refund, you are out both your fee and insurance premium. >> Mark Just a thought to add to what Dale said. I disagree with what some of the other techs said, that it was your fault. I agree with Jim's assesment, that in our business we have to move the piano. There is no other way for the piano to be serviced, (especially to put on new caster). The customer has to accept a certain amount of liability for that. To admit you were at fault leaves you wide open for all sorts of problems. At what point do we say, "This is part of doing our job" and "I made a mistake." Don't hesitate for a minute to call your agent. That is what he is there for. That is why you pay your premium. God knows we pay and pay our insurance premiums without ever filing a claim. The least you can do is make your agent earn a few of the dollars he gets from you. Good luck. Willem
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