[pianotech] Water damaged piano

[William Monroe]

Agree with Mr. Nossaman here.  You can't predict, and caveats will not be
considered after the claim is settled.  Tell them to either wait a year, or
settle for a total loss since you can't possibly predict the extent of the
damage.

William R. Monroe




On Thu, Oct 13, 2011 at 3:49 PM, Ron Nossaman <rnossaman at cox.net> wrote:

> On 10/13/2011 2:47 PM, Rob McCall wrote:
>
>> So, does anyone have any proven methods of dealing with the insurance
>> and the flood mitigation company that want solutions yesterday? The
>> insurance company wants to pay it out, the owner wants their piano
>> back, and the flood company doesn't want to store it.
>>
>
> This was my thought at the first mention of waiting the months for it to
> dry out before committing. No universe I've ever inhabited has contained an
> insurance company that would agree to such a thing. They want it wrapped up
> NOW. My approach is a letter explaining that, since I can't accurately
> anticipate the long term damage until some long term has passed, the only
> way I can expedite the process is to assume the worst, and presume total or
> near total destruction. I include the damage repair estimate based on that
> presumption, and approximate replacement cost as an alternative, and turn it
> in.
>
> I find this to be more dramatically effective than caveats and
> contingencies relying on guesses as to what damage was actually done, and
> puts the responsibility and risk on them rather than on me. The piano owner
> loves it, since it doesn't leave them twisting in the wind at the mercy of
> "that claim has already been settled" when the fenders fall off (as it were)
> next year.
>
> But then, this is possibly why I don't get repeat calls from insurance
> companies too...
>
> Ron N
>
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