Quoted from vid1900:That sounds very bad.
Might I suggest you change your policy to a pre-determined value payout?
Unless you have below average condition pins. If you have a bunch of mint, HUO pins and they want a fair market value I am sure it will be less than what it would cost to replace HUO MINT. DOCUMENT, DOCUMENT, DOCUMENT. May I even suggest an appraisal provided by someone in the business of selling pins like The Pinball Company etc.