Re: New Bottom Bow for a Thor
Posted: Fri Feb 05, 2010 10:06 pm
Yeah, I bet someone like Joe could get it fixed right up. Unless someone shot it full of holes and then burned it.... In that case, it will take a little more effort...
Wow! You've got insurance to cover damage to your horn?.... or was it in an auto accident?wasabishot9935 wrote:There was a little accident with the bottom bow and the insurance wants to know how much just to replace that part.
My instrument insurance is a rider on the homeowners policy and cost next to nothing. The best part is that it is for replacement value not some appraised/depreciated value.TubaTinker wrote:Wow! You've got insurance to cover damage to your horn?.... or was it in an auto accident?wasabishot9935 wrote:There was a little accident with the bottom bow and the insurance wants to know how much just to replace that part.
Ah, hah! When an insurance company repairs a car, they want to use new OEM parts out of a catalog so there actually is a definate price. Then they allow so much for labor, etc. Even though that isn't the usual way to repair a tuba, that's what they are going by...wasabishot9935 wrote:There was a little accident with the bottom bow and the insurance wants to know how much just to replace that part.
Sorry to go OT, but, if you haven't already done so, you might want to check the very fine print on your policy. A lot of homeowner's insurance riders don't cover equipment used professionally, with "professionally" defined extremely loosely, e.g., I know of one instance in which a company denied a claim because the player accepted a tax receipt for playing at a charity gig.Alex C wrote: My instrument insurance is a rider on the homeowners policy and cost next to nothing. The best part is that it is for replacement value not some appraised/depreciated value.
Absolute truth. If you ever took a dollar for playing, just hope the homeowners insurance company doesn't find out because it is grounds to deny a claim. There are specialy companies however that make their living writing instrument insurance for professional players. If you need it, get it. $200 to $300 a year usually. Clarion is the company name I hear most often although I have no direct knowledge of their policies.pgym wrote:Sorry to go OT, but, if you haven't already done so, you might want to check the very fine print on your policy. A lot of homeowner's insurance riders don't cover equipment used professionally, with "professionally" defined extremely loosely, e.g., I know of one instance in which a company denied a claim because the player accepted a tax receipt for playing at a charity gig.Alex C wrote: My instrument insurance is a rider on the homeowners policy and cost next to nothing. The best part is that it is for replacement value not some appraised/depreciated value.
tbn.al wrote:Absolute truth. If you ever took a dollar for playing, just hope the homeowners insurance company doesn't find out because it is grounds to deny a claim. There are specialty companies however that make their living writing instrument insurance for professional players. If you need it, get it. $200 to $300 a year usually. Clarion is the company name I hear most often although I have no direct knowledge of their policies.pgym wrote:Sorry to go OT, but, if you haven't already done so, you might want to check the very fine print on your policy. A lot of homeowner's insurance riders don't cover equipment used professionally, with "professionally" defined extremely loosely, e.g., I know of one instance in which a company denied a claim because the player accepted a tax receipt for playing at a charity gig.Alex C wrote: My instrument insurance is a rider on the homeowners policy and cost next to nothing. The best part is that it is for replacement value not some appraised/depreciated value.