<!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><FONT size=2>I state in my contract, when I take a piano or = action, that the item is insured for the appraised value at the time of loss and I = will provide that amount if requested.  If the individual wants to = insure for additional, then they have that option.</FONT></DIV> <DIV><FONT size=2></FONT> </DIV> <DIV><FONT size=2>David Love</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=mfarrel2@tampabay.rr.com href="mailto:mfarrel2@tampabay.rr.com">Farrell</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> October 29, 2001 4:06 = AM</DIV> <DIV style="FONT: 10pt arial"><B>Subject:</B> Re: Insuring an = action</DIV> <DIV><BR></DIV> <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></BLOCKQUOTE></BODY></HTML>