Yes I have had a little experience with this.
Insurance companies want to keep it simple, what does it cost to replace your Rodgers regardless how you acquired it or its current operational state. For their reasoning it was a functioning organ that you practiced on. For replacement costs (2 manual, stop tab, AGO spec'd electronic church organ) a new Rodgers would be around 24K the last time I shopped around. Having pictures of the Rodgers 22D still intact is good for claims as well.
Danny B.