<HTML>In a message dated 12/20/2002 3:20:43 PM Eastern Standard Time, Wimblees@aol.com writes: <BLOCKQUOTE TYPE=CITE style="BORDER-LEFT: #0000ff 2px solid; MARGIN-LEFT: 5px; MARGIN-RIGHT: 0px; PADDING-LEFT: 5px">Not to be cynical, but do you really think a government entity is going to allowed to be held responsible for anything? Even if it is, it will take years for this case to be settled. Wim </BLOCKQUOTE> Wim, I appreciate your concern, however I have not been asked to decide or think about what the town will or wont do.  I don't know the specifics, nor do I care much about the facts surrounding the flood or what the town is or isn't responsible for.  What my friend has asked me for is any advice on the replacement value of the 2 pianos as if it were to be submitted to insurance, so that is the information that I am attempting to gather. I am still very interested in what anyone would like to tell me regarding long term affects of water damage to pianos like this and how you would best appraise the situation for replacement value. Thanks, Lanie </HTML>