<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN"> <HTML><HEAD> <META http-equiv=Content-Type content="text/html; = charset=iso-8859-1"> <META content="MSHTML 6.00.2800.1264" name=GENERATOR> <STYLE></STYLE> </HEAD> <BODY bgColor=#ffffff> <DIV><FONT face=Arial size=2>What does a new one cost?  $100,000?</FONT></DIV> <DIV><FONT face=Arial size=2></FONT> </DIV> <DIV><FONT face=Arial size=2>My homeowners policy is a "replacement = value" policy. If my 20 year old TV and my 30 year old stove burn up in a fire, = State Farm will replace my TV and stove with a similar model new TV and stove. = Likewise my worn out recliner - it burns up and I get a new one. Why = would a piano be any different?</FONT></DIV> <DIV><FONT face=Arial size=2></FONT> </DIV> <DIV><FONT face=Arial size=2>Everyone should stash a = worn-out 90-year-old Mason & Hamlin upright in their living room. And have a replacement = value homeowners insurance policy. Your house burns up and you get a new = $25,000 piano!</FONT></DIV> <DIV><FONT face=Arial size=2></FONT> </DIV> <DIV><FONT face=Arial size=2>Terry Farrell</FONT></DIV> <BLOCKQUOTE dir=ltr style="PADDING-RIGHT: 0px; PADDING-LEFT: 5px; MARGIN-LEFT: 5px; = BORDER-LEFT: #000000 2px solid; MARGIN-RIGHT: 0px"> <DIV style="FONT: 10pt arial">----- Original Message ----- </DIV> <DIV style="BACKGROUND: #e4e4e4; FONT: 10pt arial; font-color: = black"><B>From:</B> <A title=rinkyd@pacbell.net href="mailto:rinkyd@pacbell.net">Phil Frankenberg</A> </DIV> <DIV style="FONT: 10pt arial"><B>To:</B> <A = title=pianotech@ptg.org href="mailto:pianotech@ptg.org">pianotech</A> </DIV> <DIV style="FONT: 10pt arial"><B>Sent:</B> Monday, February 02, 2004 = 3:01 PM</DIV> <DIV style="FONT: 10pt arial"><B>Subject:</B> Concert grand = repalcement value</DIV> <DIV><BR></DIV> <DIV><FONT face=Arial size=2>I have a customer with a Baldwin D = ,built in 1943 , in fair condition. He needs a replacement value for insurance = purposes. Any ideas on a fair median value here?  Thanks.</FONT></DIV> <DIV><FONT face=Arial size=2>Phil Frankenberg<BR>CSU Chico, Ca.</FONT></DIV></BLOCKQUOTE></BODY></HTML>