In a message dated 9/4/2005 11:40:56 PM Mountain Daylight Time, [EMAIL PROTECTED] writes:
> If I've spent hours and hours making a piece of lace, I want it to reach > its destination. If that doesn't happen, insurance money won't replace > the item. Spot on. This is true in the absolute sense. Still, think about the times when people receive money compensation, from a court or insurance company, for losses and damages that really can't ever be "made whole" -- from permanent injuries to one's physical body, or, worse still, the loss of a loved one -- or, closer to the topic of this liss, the loss of an irreplaceable item with significant value, sentimental, historical, or financial, or all three. Money can't really "make it up" to someone, but it does help take the sting out, to some degree....at least, it is an acknowledgement of the loss, and gives the recipient some resources, that may be helpful in some way. I may be wrong about this -- I am going to see what else I can find out, as I promised the list -- but my impression so far is that an appraisal probably would not be required for something on the low end of the scale -- say in the hundreds of dollars. A good quality photograph, with records of what was involved in making or acquiring the piece, would probably suffice. If it is something on the higher end of the scale, like Aurelia described, then it would be best to have it appraised. But, like Jeri said, you should talk to your insurance agent or broker about specific items you want to have included on your insurance. Ask them what they would require to cover it under your policy. As to insurance companies in general, like everything else, there are good and bad ones. People need to educate themselves a bit, and find out what they can about the company involved. US states have insurance commissions that rate the insurers in their states, and no doubt other countries must have something similar. Find one with a decent rating in the type of insurance you are buying -- talk to your agent or broker -- establish a good relationship with them, and make sure you meet any requirements to establish the value of the item(s) of concern, and to file any claims that might become necessary. Policies have notice requirements, and deadlines for filing claims, for example. Those have to be met, or the claim will not survive. Keep your paperwork and supporting documentation in a safe place! Regards, Ricki - To unsubscribe send email to [EMAIL PROTECTED] containing the line: unsubscribe lace [EMAIL PROTECTED] For help, write to [EMAIL PROTECTED]
