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<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>
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<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>
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<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>
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