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<DIV><FONT face=Arial>Thanks Phil. Be aware though, at least with =
State Farm,
you can buy a homeowner's policy in two forms. One is a "replacement =
cost"
policy that will replace your 25 year old stove with a new similar =
stove. But,
for a few dollars less, you can indeed purchase a policy that will only =
provide
a market cost replacement - indeed, your 25 year old stove will be =
replaced with
a stove (or cash) that reflects the value of your 25 year old stove - =
much like
they will do on an automobile.</FONT></DIV>
<DIV><FONT face=Arial></FONT> </DIV>
<DIV><FONT face=Arial>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=phil@philbondi.com href="mailto:phil@philbondi.com">Phil =
Bondi</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> Tuesday, November 25, =
2003 7:56
AM</DIV>
<DIV style="FONT: 10pt arial"><B>Subject:</B> RE: Insurance =
Appraisal</DIV>
<DIV><BR></DIV>
<DIV><SPAN class=983195212-25112003><FONT face=Arial =
color=#000080
size=2>Terry, I've always done my insurance appraisals as NEW
replacement..that's what your 'contents' insurance will cover now..NEW =
replacements..you aren't going to replace a 25 year old stove with a =
25 year
old stove..you're going to get a new one..why should a piano be any
different?</FONT></SPAN></DIV>
<DIV><SPAN class=983195212-25112003><FONT face=Arial =
color=#000080
size=2></FONT></SPAN> </DIV>
<DIV><SPAN class=983195212-25112003><FONT face=Arial =
color=#000080 size=2>In a
case where a particular model or make is no longer in production, I =
look at
the nearest compatible make and model, and write the appraisal from
there.</FONT></SPAN></DIV>
<DIV><SPAN class=983195212-25112003><FONT face=Arial =
color=#000080
size=2></FONT></SPAN> </DIV>
<DIV><SPAN class=983195212-25112003><FONT face=Arial =
color=#000080 size=2>I've
never had a problem or a question from a insurance agency..don't =
forget..they
have no clue as to what a piano is worth..we are the experts, and =
that's why
they ask us for such information.</FONT></SPAN></DIV>
<DIV><SPAN class=983195212-25112003><FONT face=Arial =
color=#000080
size=2></FONT></SPAN> </DIV>
<DIV><SPAN class=983195212-25112003><FONT face=Arial =
color=#000080 size=2><!-- Converted from text/rtf format -->
<P><SPAN lang=en-us><FONT face="Arial Rounded MT Bold" =
color=#000080
size=2>-Phil Bondi(FL)</FONT><FONT face=Arial =
color=#000080><BR></FONT><FONT
face="Arial Rounded MT Bold" color=#000080
size=2>phil@philbondi.com</FONT><FONT face=Arial =
color=#000080></FONT>
</SPAN></P></FONT></SPAN></DIV>
<BLOCKQUOTE dir=ltr
style="PADDING-LEFT: 5px; MARGIN-LEFT: 5px; BORDER-LEFT: #000080 2px =
solid; MARGIN-RIGHT: 0px">
<DIV></DIV>
<DIV class=OutlookMessageHeader lang=en-us dir=ltr =
align=left><FONT
face=Tahoma size=2>-----Original Message-----<BR><B>From:</B>
pianotech-bounces@ptg.org [mailto:pianotech-bounces@ptg.org] <B>On =
Behalf Of
</B>Farrell<BR><B>Sent:</B> 25 November, 2003 6:50 AM<BR><B>To:</B>
Pianotech<BR><B>Subject:</B> Re: Insurance =
Appraisal<BR><BR></FONT></DIV>
<DIV><FONT face=Arial size=2>Yeah, but replacement with what? =
New or one at
a similar state of repair.</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=phil@philbondi.com =
href="mailto:phil@philbondi.com">Phil
Bondi</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, November 24, =
2003 1:37
PM</DIV>
<DIV style="FONT: 10pt arial"><B>Subject:</B> RE: Insurance
Appraisal</DIV>
<DIV><BR></DIV>
<DIV><SPAN class=709173418-24112003><FONT face=Arial =
color=#000080
size=2>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.</FONT></SPAN></DIV>
<DIV><SPAN class=709173418-24112003><FONT face=Arial =
color=#000080
size=2></FONT></SPAN> </DIV>
<DIV><SPAN class=709173418-24112003><FONT face=Arial =
color=#000080
size=2>my experiences,</FONT></SPAN></DIV>
<DIV><SPAN class=709173418-24112003><!-- Converted from text/rtf =
format -->
<P><SPAN lang=en-us><FONT face="Arial Rounded MT Bold" =
color=#000080
size=2>-Phil Bondi(FL)</FONT><FONT face=Arial
color=#000080><BR></FONT><FONT face="Arial Rounded MT Bold" =
color=#000080
size=2>phil@philbondi.com</FONT><FONT face=Arial =
color=#000080></FONT>
=
</SPAN></SPAN></P></DIV></BLOCKQUOTE></BLOCKQUOTE></BLOCKQUOTE></BODY></H=
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