Can you provide the serial please? How long ago was it refinished?
The serial should be inside the piano near the strings.
Hi, I'm not able to make a call right now. Can you check inside for the serial?
Thanks for the info. If that is the serial it would indeed date the piano to the 1920's. Early Yamaha pianos like this are uncommon in the states because they really didn't start importing them until mid-century. I'm assuming this one was imported by itself by your family, if they were the original buyers. Because of the old age, the piano will have lost most of its value. I'm surprised you had it insures for $20k as that's well above its actual value. Based on the age, maker, condition, refinishing and size I would recommend a current value of approximately $3,200-$4,000. Best wishes!
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Hi, I haven't seen a rating from you yet, so I'm wondering if you need more help with this appraisal?