Yeah. TV magic. They leave a few things out.
We had something known as Replacement Cost on our policy. In my mind that meant, something burnt/overheated/melted and the insurance company would pay to replace it. Well...not exactly. In reality, the insurance rep itemized every single item in our house after the fire restoration companies took what they could attempt to clean. Every single item. Holy moly. Then, she made up a spread sheet and we had to add in a value for every single item. Every single item. Criminy. Then she returned the inventory with a check. Gasp! The check included the depreciated value for the item. Sigh.
Now, we shop for the item. We locate the line item number and record it on the sales receipt. We send the receipts in to the insurance company. They send back the replacement cost up to the limit or ACV (actual cost value) that they placed on each item. Oh fuuuuudge.
Problems, much? Yes.
First of all, we are a family of 7. There was a LOT of stuff in our house even after the fire restoration companies hauled away truckloads of our stuff. Second, a total stranger inventoried our stuff. She called our stuff names that are worthless to us.
|Handle for Ja-Ru.|
So, this weekend I wanted to buy a toaster. Easy-peasy. Locate item on spreadsheet. Go buy item. Record line item number on receipt. Send off receipt and wait. Cripes. How many more items do we need to buy?
|Toaster. Line 178 to be specific.|
Case in point:
|Top for a crutch.|
Sometimes, the inventory list, the bane of my existence, gives me a good giggle.
|EyeBROW curling things.|
How can I get the full replacement cost for my eyelash curler if I can't locate it on the inventory? How? Whatever in the world will happen to us if we can't match up our replacement items with the inventory list?
We will get truly annoyed. That's what. Then we will momentarily forget how thankful we are that we had insurance and that nobody was hurt and that most of the animals made it out safe. For a brief period of time we will act pissy and say nasty things about the lady who did the inventory. Then, we'll pull up our big kid pants and march right back to the store. Because we've got a handle for a Ja-Ru to shop for. And eyebrow curlers. And a toaster.