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<p>[QUOTE=&quot;LostDutchman, post: 1344971, member: 16994&quot;]I always begin any appraisal with the statement &quot;These values are retail replacement values for the coins I&#039;m looking at. These will be sufficient for your insurance company. If you decide to sell them our buy prices will be less then the prices as appraised because obviously I can&#039;t pay you full retail. We can discuss that when and if we come to that point.&quot; That or something like that should get you and the person on the same page.[/QUOTE]</p><p><br /></p>

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