# The case

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

- Business: Ridgeline Roofing Ltd (`ridgeline-roofing`), fictional, with synthetic transactions
- Rendered from: https://itspickle.app/handler?demo=ridgeline-roofing
- As JSON: https://itspickle.app/api/audit?demo=ridgeline-roofing

## Is there anything to chase

**Nothing to request.** Every required answer is in, so this case can be worked now.

6 items arrived with the claim, 5 carrying a purchase record and 2 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? | Yes, the lock was drilled out of the side door |
| Have you reported it to the police, and do you have a crime reference? | Reported to South Wales Police on Wednesday morning, waiting on the reference |

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

| Question | Answer |
|---|---|
| When did it happen, as near as you know? | Overnight, Tuesday into Wednesday |
| Where was the van or the tools at the time? | Van parked on the drive at home |
| What happened? | Side door forced some time after midnight and most of the kit taken. Noticed it at about six when I went out to load up. |
| Was anyone with you, or is there CCTV or a doorbell camera nearby? | Neighbour two doors down has a doorbell camera facing the street |
| Has anything been recovered since? | not answered |
| Can you still work, or is the business stopped without these tools? | Not really. Two jobs booked this week I cannot do without the kit |

## The position at the date of loss

- Held: £3,000, set on 1 May 2019
- On the claim: £7,300
- The audit had already flagged this line: Tools & Materials is insured for £3,000 against an indicated £7,500. That is a shortfall of £4,500, about 60%, and the sum insured was last set in May 2019. 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 Cardiff | £1,272 | none | 2026-02-14 · SCREWFIX DIRECT CARDIFF · £1240.00 | transactions |
| Makita 18v LXT 6-piece kit | £925 | MAK-8841207 | 2025-11-03 · MAKITA UK POWER TOOLS · £890.00 | declared |
| Power tools from Toolstation | £434 | none | 2025-09-22 · TOOLSTATION 4471 · £415.00 | transactions |
| Power tools from Dewalt Cordless KIT | £1,280 | none | 2024-06-11 · DEWALT CORDLESS KIT · £1150.00 | transactions |
| Power tools from Screwfix Direct | £2,669 | none | 2023-08-04 · SCREWFIX DIRECT · £2300.00 | transactions |
| Sievert hot air felt welding kit | £720 | SV-2291-B | none | declared |

Completeness: 5 of 5 required answers, 100%.

---

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.