[greg2424]

I am told by my wife (an executive in an insurance brokerage) that purchasing a separate rider for a collection is extremely expensive and does require an appraisal. Therefore when my house flooded (the day Bettman cancelled the season on Feb 16th) I included my lost cards (several hundred dollars worth) under our contents insurance along with the furniture and other losses. I was not required to show anything more than the damaged cards and a Beckett to establish the value. That said, if I lost my entire collection, I am sure they may play hardball; although I do have the earlier claim as a precedent. The other thing to consider is that my collection now exceeds the upper limit of our policy and a loss would be assured.