This is a multi-part message in MIME format. ---------------------- multipart/alternative attachment Terry, I've always done insurance appraisals as replacement value..no questions asked. The reason they want to insure it in the first place is to replace it if they have to. Sometimes, when they find out they will have to carry a separate rider on their insurance policy, they value of said Steinway goes down in value in the owners eyes..I've seen it both ways down here. =20 my experiences, -Phil Bondi(FL) phil@philbondi.com=20 ---------------------- multipart/alternative attachment An HTML attachment was scrubbed... URL: https://www.moypiano.com/ptg/pianotech.php/attachments/a5/9a/3d/b9/attachment.htm ---------------------- multipart/alternative attachment--
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