[pianotech] Water damaged piano

[Rob McCall]

Thanks Ron and William,

I talked with my local Yamaha Dealer and I have a comparable replacement cost (they won't like it), I'm working up a "worst case" scenario since I can't predict the future (most likely they won't like it), and I'll lay out my wait and see option ( they probably won't like this one, either), and I'll put it on my letterhead and send it off. I really appreciate your insight, along with all those who commented earlier.

Without everyone's help, this could've easily been a fiasco for me a year from now. Now I'm armed with the experience of others! :-) That's why I love this forum...!

Thanks again,

Rob McCall

On Oct 13, 2011, at 13:55 , William Monroe wrote:

> 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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