<HTML>In a message dated 10/9/02 4:39:07 AM !!!First Boot!!!, PNOTNR@aol.com writes: <BLOCKQUOTE TYPE=CITE style="BORDER-LEFT: #0000ff 2px solid; MARGIN-LEFT: 5px; MARGIN-RIGHT: 0px; PADDING-LEFT: 5px">List, I have a customer who wants me to appraise his Steinway M.  It was originally built in 1915, but had a fair amount of work done sometime in the 60's.   (certainly not a complete remanufacture, but the piano looks like it was built in the 60's) Does one consider this as an 87 year old piano, or a 40 something?  (this is for his insurance) Thanks for any thoughts Gordon Large, RPT Mt. Vernon, ME  04352 </BLOCKQUOTE> Gordon For insurance purposes the piano is a 1915 model, that had some work done to it. Even if that work was done perfectly, the fact is, it is still a 85 year old piano. For insurance purposes, I would put a 1915 S&S Model M's value at about $7500. Over and above that thought, though, be sure to tell your customer about replacement insurance. That is a rider on a homeowner policy, that will replace any old thing with a new thing. In other words, if his house burns down, even if he didn't have the piano appraised, he would get a new M, as long as the cost of repairing his old one didn't exceed the cost of buying a new one. Since it most likely will not do that, he will get enough money to get his piano completely rebuilt. If he had it appraised for $7500, and the piano was destroyed, he would only get $7500, to either get it repaired or towards a new one. Wim </HTML>