The insured party (band director - school) needs to tell you what kind of coverage they have. With homeowner's policies at least, you can have what's called full-value replacement insurance - in which case the cost of a similar new console would be the value - or they might have a lower level of insurance that only covers for present value (takes into account age and wear). It's one or the other. Find out what coverage they have and make your best call. Terry Farrell ----- Original Message ----- Hi all. The band director in the next town over just called and they've had some vandals during the summer that covered everything in the band hall with fire extinguisher spray. The director called the extinguisher supplier who says the spray is a corrosive and much of the band equipment will start to be "eaten away". In addition, the vadals cut the wires to the air conditioning system and the director said there are water droplets on most flat surfaces (Texas heat/humidity) and these have mixed with the extinguisher to make a big mess. Nice, huh? They have a Wurlitzer console (probably about 30-40 years old) they've asked me to look at tomorrow. I'm assuming the best thing to do is consider it a loss so they can get a new piano. Can I do a written statement with the replacement value as opposed to the current value of the piano after depreciation? I've never provided paperwork for insurance companies before. Thanks for any words of advice. Michelle Smith Smith Piano Service Bastrop, Texas (512) 466-0238 michelle at smithpianoservice.com -------------- next part -------------- An HTML attachment was scrubbed... URL: https://www.moypiano.com/ptg/pianotech.php/attachments/20070802/7d697767/attachment.html
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