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Claim
Settlement Process
Determining ownership and the value of stolen
property is difficult after the loss, simply because there is
nothing to view. One or more of the following may help verify
the facts.
- Photographs of inventory or a family member with item in the background.
- Receipts, purchase orders, invoices
- Canceled cheques
- Credit card slips
- Charge account records
- Chattel mortgages
- Registration (guns, boats, etc.)
- Customs declarations
- Warranties and guarantees
- Instruction manuals
- Tax records
- Bills of lading, shipping receipts, tariff receipts
- Other people able to testify to existence of the
property -- such as delivery people, movers, repair
people, cleaners, domestic servants, neighbours, relatives,
friends, appraisers, vendors, sales clerks, landlords,
donors and insurance agents.
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If
you have a loss, you and the claims person will be using these
items to establish the age and value of your possessions.
Most insurance policies provide coverage for personal property
on an actual cash value basis (replacement cost less depreciation).
Some policies or endorsements provide coverage on a replacement
cost basis -- depreciation is not considered. Discuss the
details of your policy with your agent.
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