<HTML><FONT FACE=arial,helvetica><FONT SIZE=2>In a message dated 12/1/01 7:08:07 AM !!!First Boot!!!, tonyanj@hotmail.com writes:
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<BR><BLOCKQUOTE TYPE=CITE style="BORDER-LEFT: #0000ff 2px solid; MARGIN-LEFT: 5px; MARGIN-RIGHT: 0px; PADDING-LEFT: 5px">A client wants an insurance appraisal on his 1983 Yamaha G2 (like new) to ensure that in case of loss or damage he ends up with at least a similar (or better) quality instrument. How do I go about providing this type of appraisal?</FONT><FONT COLOR="#000000" SIZE=3 FAMILY="SANSSERIF" FACE="Arial" LANG="0">
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<BR></FONT><FONT COLOR="#000000" SIZE=2 FAMILY="SANSSERIF" FACE="Arial" LANG="0">Thanks,</FONT><FONT COLOR="#000000" SIZE=3 FAMILY="SANSSERIF" FACE="Arial" LANG="0">
<BR></FONT><FONT COLOR="#000000" SIZE=2 FAMILY="SANSSERIF" FACE="Arial" LANG="0">John Tonyan</FONT><FONT COLOR="#000000" SIZE=3 FAMILY="SANSSERIF" FACE="Arial" LANG="0">
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<BR>Even if you gave her an appraisal of her piano today, unless the house burned down tomorrow, the value of that instrument is going to be different. The only way she will be able to get a piano of similar value is to get replacement value insurance on all her property. That way, regardless of when the piano is destroyed, the insurance company will have to buy her a new Yamaha, or similar new instrument.
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<BR>Willem</FONT></HTML>