<HTML>In a message dated 12/20/02 10:54:51 AM Central Standard Time, MoodyPianoInc@aol.com writes: <BLOCKQUOTE TYPE=CITE style="BORDER-LEFT: #0000ff 2px solid; MARGIN-LEFT: 5px; MARGIN-RIGHT: 0px; PADDING-LEFT: 5px">What type of replacement value would one put on these pianos?  Would you also taking removal of the old pianos and delivery of replacements into consideration? </BLOCKQUOTE> Since there is no insurance coverage, why put a value on the pianos? But for what it's worth, both pianos would have been worth about $200 each. Removing both pianos will cost about as much as each of the pianos is worth, unless you can get a mover to do it at a discount. Wim </HTML>