<HTML>In a message dated 6/27/01 7:23:04 AM Central Daylight Time, d_a_noonan@hotmail.com writes: Don: Thank you very much for your comprehensive explanation of what "you guys" look for. Specifically, this is where we as piano techs get into trouble. <BLOCKQUOTE TYPE=CITE style="BORDER-LEFT: #0000ff 2px solid; MARGIN-LEFT: 5px; MARGIN-RIGHT: 0px; PADDING-LEFT: 5px">#1) ACTUAL CASH VALUE How much was the piano worth before the damage? </BLOCKQUOTE> This is sometimes hard to figure out, especially if the piano was in a fire. <BLOCKQUOTE TYPE=CITE style="BORDER-LEFT: #0000ff 2px solid; MARGIN-LEFT: 5px; MARGIN-RIGHT: 0px; PADDING-LEFT: 5px">#2) REPAIR COST How much will it cost to repair the damage, to put the piano back to the condition it was in before? </BLOCKQUOTE> The problems with this is, in the process of making the repairs, it is impossible to put the piano back in the condition it was before. It is impossible to put a 50 year old finish on piano. It is impossible to replace the worn out hammers with other worn out hammers. The same goes for tubby bass strings, rusty pins, worn-out bushings. etc. In other words, the repairs that need to be made will make the piano in much better condition than it was before the accident. Does the insurance industry recognize this problem? Willem </HTML>