If they are going to pay for the cost of sending them out, then jump on it!! Unless you have replacement cost coverage or have separately "scheduled" your collection, I highly doubt that most insurance companies will give you much more than what a used LP dealer will pay for a record. They are most likely going to come up w some kind of average cost when new and then depreciate them from there. If the cost of "cleaning" them is more than that number, they will probably declare them a total loss and just pay the "book value", just like if you wrecked your '97 jeep w 200K miles that still runs like a top and has no rust. They'll give you the Kelly Blue Book (in that case, maybe $500.00).
If you have replacement cost, then they will give you what they can be purchased for; if no longer "in print" they would probably look to a used LP guide on the 'net or ebay records.
If I'm wrong (could be...just sayin') send me the name of your insurance co and I'll switch in a heartbeat.
If you have replacement cost, then they will give you what they can be purchased for; if no longer "in print" they would probably look to a used LP guide on the 'net or ebay records.
If I'm wrong (could be...just sayin') send me the name of your insurance co and I'll switch in a heartbeat.