# The case

*The claims handler, deciding a claim that arrived with the facts and the items already attached.*

- Business: Calder Electrical Services Ltd (`calder-electrical`), fictional, with synthetic transactions
- Rendered from: https://itspickle.app/handler?demo=calder-electrical
- As JSON: https://itspickle.app/api/audit?demo=calder-electrical

## Is there anything to chase

**2 answers outstanding.** Was there any sign of forced entry, for example a broken lock or window? Have you reported it to the police, and do you have a crime reference?

5 items arrived with the claim, 4 carrying a purchase record and 1 a serial number. Without a register these are the requests that add days to a tool theft claim.

## What decides it

| Question | Answer |
|---|---|
| Was there any sign of forced entry, for example a broken lock or window? | not answered |
| Have you reported it to the police, and do you have a crime reference? | not answered |

## The account, in the policyholder's own words

| Question | Answer |
|---|---|
| When did it happen, as near as you know? | Sometime on Saturday |
| Where was the van or the tools at the time? | Site compound on the Marshfield job |
| What happened? | Container opened over the weekend and the test gear and the SDS taken |
| Was anyone with you, or is there CCTV or a doorbell camera nearby? | not answered |
| Has anything been recovered since? | not answered |
| Can you still work, or is the business stopped without these tools? | not answered |

## The position at the date of loss

- Held: £2,500, set on 1 Oct 2018
- On the claim: £7,469
- The audit had already flagged this line: Tools & Materials is insured for £2,500 against an indicated £7,500. That is a shortfall of £5,000, about 67%, and the sum insured was last set in October 2018. Where a policy carries an average clause, a shortfall of this size can reduce every settlement by the same proportion, including partial losses well below the sum insured.

Two numbers, and no third worked out from them. A person decides this claim: the engine has no field
a settlement could be held in, so there is no such figure here to read or to relay.

## The items

| Item | Claimed value | Serial | Proof of ownership | Source |
|---|---|---|---|---|
| Power tools from Screwfix Direct Leeds | £966 | none | 2026-01-27 · SCREWFIX DIRECT LEEDS · £940.00 | transactions |
| Power tools from Milwaukee M18 KIT | £1,440 | none | 2024-11-08 · MILWAUKEE M18 KIT · £1320.00 | transactions |
| Power tools from Screwfix Direct | £925 | none | 2023-02-21 · SCREWFIX DIRECT · £780.00 | transactions |
| Power tools from Makita UK | £1,869 | none | 2021-06-09 · MAKITA UK · £1450.00 | transactions |
| Fluke 1664FC multifunction tester | £2,269 | FLK-1664-77213 | none | declared |

Completeness: 3 of 5 required answers, 60%.

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Illustrative only. This is a statement of demands and needs based on public records and information you confirm, not a personal recommendation or a quote. Prices are banded estimates derived from published rates and are not an offer of cover.