Steve,
As you know UPS has approved the claim for HankB. He sent them photos of the keyboard before it was shipped, and a copy of the receipt where he bought it from George Kaye.
There are lessons here:
1. Buy insurance
2. Keep documentation
3. Don't use UPS

Actually, I'm surprised they settled so easily, but I suppose they had no choice. Even the UPS employees who packed it verified it was in perfect shape when it left Louisiana.
DonM