C.L. Dill wrote: > Does anyone out on the list HAVE insurance which actually provides for conservation in a disaster recovery situation? I'm looking for specifications describing such coverage. Or information about what happens when you don't have such coverage?< According to our Registrarial Office, our policy is with Henderson Phillips Fine Arts in LA & VA. It includes a Partial Loss Agreement which states: "In case of Partial Loss due to Perils insured against, the adjusted amount of loss shall be the cost and expense of Restoration, to include additional and reasonable charges incurred in that Restoration. Loss in value, if any, after Restoration, to be agreed upon between the Insured and the Company. In no event shall the Company be liable for more than the insured value of the Property." This would seem more appropriate for unique or rare objects than the kind of replacement value clause used for ordinary property. You might, I suppose try to get language inserted defining "Restoration" as it applies to your particular collections; that could reduce problems negotiating the settlement. I don't know how the "Disaster" designation you mention would make a difference, unless there were a specific clause that excluded loss caused by what are sometimes described as "acts of God." Sometimes you can get these exclusions modified or even removed--depends on the company and the situation. Hope this helps! David A. Penney Exhibitions Manager The Baltimore Museum of Art [log in to unmask]