<!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 5.50.4522.1800" name=GENERATOR> <STYLE></STYLE> </HEAD> <BODY bgColor=#ffffff> <DIV>I know none of us are lawyers here (yes?), so perhaps there will be = no definitive answer here. But it seems to me to be pretty far fetched for = a piano owner to "force you to buy a whole new piano" in a case like this. I = could certainly imagine an extreme situation where they claim that a tech = ruined their action - the part they worked on. But if the tech did nothing to the = case and belly, etc., but remove the action from it, how in the world could = anyone make a claim for a whole new piano stick?</DIV> <DIV> </DIV> <DIV>I shudder to think............you don't have any direct experience = with a case like this.............do you?</DIV> <DIV> </DIV> <DIV>Terry Farrell <SPAN = id=__#Ath#SignaturePos__></SPAN> </DIV> <BLOCKQUOTE 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=Wimblees@AOL.COM = href="mailto:Wimblees@AOL.COM">Wimblees@AOL.COM</A> </DIV> <DIV style="FONT: 10pt arial"><B>To:</B> <A = title=pianotech@ptg.org href="mailto:pianotech@ptg.org">pianotech@ptg.org</A> </DIV> <DIV style="FONT: 10pt arial"><B>Sent:</B> Sunday, October 28, 2001 = 7:59 PM</DIV> <DIV style="FONT: 10pt arial"><B>Subject:</B> Re: Insuring an = action</DIV> <DIV><BR></DIV><FONT face=arial,helvetica><FONT size=2>In a = message dated 10/26/01 10:07:03 PM !!!First Boot!!!, <A href="mailto:jbaird@fgi.net">jbaird@fgi.net</A> writes: <BR><BR><BR> <BLOCKQUOTE style="PADDING-LEFT: 5px; MARGIN-LEFT: 5px; BORDER-LEFT: #0000ff 2px = solid; MARGIN-RIGHT: 0px" TYPE="CITE">Although I have had many piano actions in my shop = before, I would like <BR>to hear from others about the amount of insurance = that is advisable. <BR><BR>I will soon have a 12 year old Steinway L action = in my shop. If it <BR>should be destroyed, would the $10,000 Bailees and = $10,000 Cargo <BR>coverage I now have through PTG be enough? There's the = cost of the new <BR>action itself, of course, but then the considerable cost of = time spent <BR>making the action feel at home in its new host. = <BR><BR>Other considerations? <BR><BR>Thanks, John Baird = <BR></BLOCKQUOTE><BR><BR>John <BR><BR>Although the insurance you have might cover the cost of = replacing an action, in the event the action is destroyed, and you had to buy a new = one from Steinway, the customer might come back and say the piano just = doesn't sound and play the way it used to, and force you to buy a whole new = piano. Therefore, you might want to consider getting a short term rider on = your present coverage, increasing the amount of insurance for a short = period of time to cover the cost of replacing the piano. Talk to Jerry about = this. The cost would be very minimal. Yes, you should also ask your customer to = check with their insurance to see if the action and the whole piano is = covered, but I would still get the extra insurance to protect yourself. Insurance = companies have way of not paying claims if they think they can get away with it. = For the few dollars it will cost you for the rider, it is better to be = protected all the way on your own. <BR><BR>Wim = </FONT></FONT></BLOCKQUOTE></BODY></HTML>