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<p>[QUOTE="Duke Kavanaugh, post: 898781, member: 20544"]Yep in the US you can get insurance without anything but a check but getting paid after a claim is the hard part. Like most things spending the money is easy but getting it is the hard part <img src="styles/default/xenforo/clear.png" class="mceSmilieSprite mceSmilie8" alt=":D" unselectable="on" unselectable="on" /></p><p>An appraisal is all you need for proof of your collection I believe and it's up to the appraiser to make that price. So if you have paid 10x for a coin because of toning then tell the appraiser before he starts to work on it. He could put that into it if he agrees to it's worth so in your case find a toning fan <img src="styles/default/xenforo/clear.png" class="mceSmilieSprite mceSmilie2" alt=";)" unselectable="on" unselectable="on" /></p><p><br /></p><p>As for statequarterguy's comment I never thought about what makes a qualified appraiser. And would love to hear what they say.</p><p><br /></p><p>And Dimefreak a Barry Sanders is a small item and would not pull up any red flags so the adjuster probably just went ahead and did it or there is a small amount in your policy for it. Insurance company's really want to keep us happy but it's the large loss's that get's their attention.[/QUOTE]</p><p><br /></p>
[QUOTE="Duke Kavanaugh, post: 898781, member: 20544"]Yep in the US you can get insurance without anything but a check but getting paid after a claim is the hard part. Like most things spending the money is easy but getting it is the hard part :D An appraisal is all you need for proof of your collection I believe and it's up to the appraiser to make that price. So if you have paid 10x for a coin because of toning then tell the appraiser before he starts to work on it. He could put that into it if he agrees to it's worth so in your case find a toning fan ;) As for statequarterguy's comment I never thought about what makes a qualified appraiser. And would love to hear what they say. And Dimefreak a Barry Sanders is a small item and would not pull up any red flags so the adjuster probably just went ahead and did it or there is a small amount in your policy for it. Insurance company's really want to keep us happy but it's the large loss's that get's their attention.[/QUOTE]
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