<HTML><BODY STYLE="font:10pt verdana; border:none;"><DIV>Hi John</DIV> = <DIV> </DIV> <DIV> As one who has had many similar concerns thi= s may be of interest to you and many.  DID you know that any item se= nt out for repair such as washer clock and yes Steinway piano and or acti= on is covered under that persons homeowners insurance. The important thin= g on a claim is to have established a value a head of time. I have</DIV> = <DIV>many clients call their agents to confirm this and have not had any = say it's not so.</DIV> <DIV> </DIV> <DIV>   Regards--= --Dale Erwin</DIV> <DIV> </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 Messa= ge -----</DIV> <DIV style="BACKGROUND: #e4e4e4; FONT: 10pt Arial; COLOR= : black"><B>From:</B> John Baird</DIV> <DIV style="FONT: 10pt Arial"><B= >Sent:</B> Friday, October 26, 2001 3:30 PM</DIV> <DIV style="FONT: 10p= t Arial"><B>To:</B> pianotech@ptg.org</DIV> <DIV style="FONT: 10pt Aria= l"><B>Subject:</B> Insuring an action</DIV> <DIV> </DIV>Although I h= ave had many piano actions in my shop before, I would like<BR>to hear fro= m others about the amount of insurance that is advisable.<BR><BR>I will s= oon have a 12 year old Steinway L action in my shop. If it<BR>should be d= estroyed, would the $10,000 Bailees and $10,000 Cargo<BR>coverage I now h= ave 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 act= ion feel at home in its new host.<BR><BR>Other considerations?<BR><BR>Tha= nks, John Baird<BR><BR></BLOCKQUOTE></BODY></HTML>