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  • Birthday 06/05/1971

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  1. These pictures are better. I'm leaning towards scenario 2. Can you check the back to see if the impression left by the blister being sealed to the card is the same outline of the narrow blister?
  2. There's two possibilities. 1) In a hypothetical scenario where this card had a wider blister at one time, it could have been very cleanly cut/shaved down to the very surface, and to the point where going any further would show litho loss or tearing. Once doing so, a narrower blister could be sealed over top, and placed in a maner where it appear like it's original to the MOC. 2) On the flipside, if the nest used to factory seal these was designed to accomodate a wider blister, then the use of a narrower blister would leave impression marks where the seal was making contact with the cardback, rather than the edge of the blister. The image below is just to show what a nest looks like - there is a tray where the blister sits inside, and the figure is place inside the blister, then the cardback over top, and it's pushed into a seal machine that delivers measured heat and weight to seal. The resistance used on these factory sealing machines usually leaves an impression on the back of the card, that is roughly the outline of the blister. What would be important to also check is the impression left on the back is for a narrower blister, and not a wider one, to rule out hypothetical scenario 1.
  3. Would it be possible to get a side view, showing a close-up view of the entire blister sidewall making contact to the card? If possible, from both sides?
  4. I've seen 8 backs for both blister sizes. Here is a graded one for the narrower blister you're concerned about. If the glare you're referring to is the streaks along the sides, I'm not sure I can see enough from the photos you've share to know definitively. However, blisters edges can shift, and leave a similar type of line. The streak itself looks like the blister not bonding cleanly in those areas, but this isn't uncommon to see even with factory sealed blisters. Again, I can't say with 100% certainty, but if that is a reseal, the person who did it is scary good.
  5. Honestly, some good close-up pictures showing any/all areas of concern would be much more helpful.
  6. Collectible Insurance Services review

    This is good advice. However it will come down to the adjuster handling the claim when the loss occurs. It's very difficult to predict how things will play out, however on only examples items where "like" or "similar" is used to valuate, you have to be vigilant to monitor the market yourself and save any comparables during your ownership. To provide an example, in the Star Wars toy collecting category, I owned a Kenner Canada version of a MOC which is extremely rare. I was not able to find a single comparable when I tried to add it to my schedule. The dilemma is that an adjuster unaware of the value dynamics and rarity of such a piece would seek a "similar" comparable, and likely use the Kenner US value, which would have put my exposure in a loss situation at 1/6th of what the fair market value would be on my item. The ability to defend a valuation is contingent on proof, and without a single sale to reference, I would lose 9 out of 10 times. I had offers on the piece to prove the market, but offers are not valid unless they translate to an actual sale, and eventually the offers became more attractive as I weighed out my options. To me the notion of paying insurance to be insufficiently covered makes no sense. The idea that I might not be able to recover the full value was not the only factor in eventually moving the piece, but it's also something I couldn't overlook.
  7. I've always liked the Kenner Super Powers 8 Backs. These are temporarily in one of my display cases, but will join the rest of my son's Batman shelf once I've reorganized it and make some space. Had been eyeing these for some time and finally picked these up from @slowdowntubby's shop (Big B). Will probably cave and buy some more.
  8. Collectible Insurance Services review

    Sorry to hear Sharon. As a general statement, and not minimize the loss, but jewelry appraisals are usually what we refer to as "fluffy." When I asked for an appraisal on several pieces I had appraised last year, I walked up to the jeweler and told him I didn't want a "fluffy" appraisal. He knew exactly what I was referring to and based it on fair market value principles. A good measure of how valid the insured value would be relative to what someone might pay is to walk into a jeweler and ask them what they would pay for that particular piece. Unfortunately one of the more common things you will hear is that an appraisal on jewelery is valued at somewhere between 10-30% of what the market would actually pay, but that's also an indication of the profit margin a retailer would be comfortable paying to justify adding it in their showroom or showcase. And it's not to undermine such appraisals, as they can be complex, and do need to factor in actual cost to replace the piece with local labour, expertise, access to materials, etc. Conversely, when I'm writing an insurance appraisal on a collectible which has shown a pattern of appreciating in value, the back-up used to validate that number is on a lot stronger ground to get full value, and in cases where the appraisal is dated, to receive an update which assures the insured will receive full value at the time of the loss. There are certainly examples in fine jewelery markets of rare rings, necklaces, bracelets, that markedly appreciate in value year after year, but those generally have a lot more going for them in the areas of provenenance, history, and age, that works to not only store value beyond the precious metal or gemstone content, but combine in a way to heighten their value, and is never based on sentimentality.
  9. Collectible Insurance Services review

    100%. BUT, again, that is why subrogation SHOULD be used in such situations. Give the insured their money, and leave the insurance company to shake down and overturn convenient excuses.
  10. Collectible Insurance Services review

    As a token of advise that should be more deemed "friendly" rather than "expert", the same problem that you experienced with the rider could happen with an insurer who doesn't ask for an appraisal. In fact, I'd question why one would ask for one, and the other wouldn't. I'm basing this opinion on experiences where the one not asking for an appraisal might have denied, or paid but cancelled shortly after, whereas the rider might have contested an a valuation that was dealt with using a current appraised value, and paid out with no issues thereafter.
  11. CGC giving gift grades - shocker!! I think I had this happen to me once and honestly can't remember if I gave in or not. It arrived to the byer with a small crack in the case. Reholdering was about $15, but the person was asking for shipping to and from CGC, and I think I told them to go fly a kite when they started going down that road. I'd probably just say something like "just graded" and put some condition in there that if it's that important to you that the case is perfect, to take their business to @Domo Arigato
  12. Collectible Insurance Services review

    Beyond @Mr.Mcknowitall's point, putting in a claim for damage while in the possession of a third-party requires that third-party to agree they caused the damage. As in the example I used where CGC destroyed my comic, it was a non-starter because they didn't believe they caused the damage.
  13. Collectible Insurance Services review

    I didn't ask you to devise a poicy summary of restrictions and limits. This is a collectibles-based community. People in the wider community include numismatics, original comic art, and CG is mostly comprised of comic book collectors, although there are people here who do cross-collect in areas such as collectible toys that are superhero or publisher related (i.e. Marvel/DC action figures, etc.). For the most part, anything that appreciates in value should be undwritten using replacement cost coverages. In the examples I've explained earlier, one was a client who I'd written an appraisal for, who had been offered a claim payout amount, and he happened to run that number by me just to make sure he wasn't getting screwed. Contrary to your opinion that he didn't need to because he should have known himself, he did so because his replacement cost coverage was for $26K. However, his item had appreciated in value since the appraisal was written. The adjuster chose the most disimilar comparable you could imagine - so different in fact, I was confused if he actually knew what the hell he was doing. They offered him less than $18K. It had been over 2 years since I did his appraisal and I knew immediately he had been given a purposely out of context, lowball amount. So I did some comparables research, spent about 30 minutes writing-up an email explaining exactly what he needed to say, and which comparables to use. The item had increased in value since the appraisal was written, and the amount he ended-up getting was $32K. When he explained what I had coached him to say, there was no pushback or resistance from the adjuster - he agreed, and paid out the amount. The other example was for a neighbour of mine. An elderly woman who I unfortunately learned recently had passed away over the winter. Same deal, she had been lowballed on a personal property claim, and after providing a list of comparables that should have been used instead, the adjuster wrote a cheque in the amount she deserved. The most egregious of course was a couple who were at a local kids hospital for live saving treatment for their infant son. They were far from home, and used the Ronald McDonald house for a little over half a year. The husband did fly out several times back home, and during one of the visits, noticed their basement had flooded. When he contacted the insurance company, trying to explain they needed to get things returned to a state where it would be safe to have their immune-compromised child back at home, the insurer instead started to find ways to get out of paying, and in a roundabout way told him he wasn't covered. When he told me what was happening, I advised he contacted the Office of the Insurance Ombudsman immediately. A single inquiry from their office resulted in the family being notified by phone, email and every which way possible to not only pay out the claim, but to restore the home in a manner that was safe when their child returned home from treatment. I won't debate this point further with you because your opinion and experiences seem to be predicated on an insurance industry that is cold and calculated. While this may be true, there is a responsibility to treat people in a dignified and humane manner, and insurers are neither beyond reproach, nor should they ever think they won't be held accountable for their misdeeds.
  14. Collectible Insurance Services review

    Not true. I've helped people not only get more out of their claim from adjusters who conveniently cherry-pick comparables that are not only dissimilar, but are so blatantly out of context that the only reasonable explanation was to pay out as little as possible. You talk about them being some kind of money fairy provided you have the right policy and that's simply not true. I've also advised people in situations where they were told they weren't covered, and later when the proper oversight made some inquiries and were about to launch an investigation, they were notified that they somehow were magically covered and a claim would be paid out. Insurance companies plays these games. They hire people on a contract basis and reward them to pay out as little as possible. Don't tell me the policy is the be all end all, because the truth is insurers will make certain exclusions purposely vague to find a way to wiggle out of paying. As a consumer you need to understand when these games are being played, what your rights are, and what resources and oversight are available to you.