The more slippery (slipperier?) question is not what is the recourse, but rather what means would be acceptable for proving an autograph is no good (short of, like, a Ruth auto on a 1970 baseball). Some sellers say "if it fails any third party authentication," which is pretty clear. On the flip side, I posted a few years ago about a joke of an auction house that had a guarantee, but you had to look at the fine print that said something like "if your autenticator finds something wrong, we reserve the right to have the forensic document examiner of our choice make the final determination." That is also quite clear, albeit in a very different way. Basically, whenever I see a cheap, generic LOA from "John Doe Coolectibles" that provides a lifetime guarantee, I think that if I contacted them and said "everyone I've asked says this is fake," they would say "we think it's real and they're wrong."
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