TH-2026-GBPRC7 · Ridgeline Roofing Ltd · tool theft · opened 1 day ago, through an agent

Nothing to request: all 5 answers and 6 items arrived with it

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.

6 items attached5 with a purchase record2 with a serial number2 on the customer's word

What this one turns on

The 2 answers that decide whether the policy responds, before the account rather than inside it. A person still decides what they mean.

Was there any sign of forced entry, for example a broken lock or window?

Yes, the lock was drilled out of the side door

This is one of the two answers that most often decides a van tool theft claim, because theft from an unattended vehicle with no sign of forced entry is commonly excluded. Answering it now rather than in a letter next week is the difference between days and a fortnight.

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 other one. Insurers require the loss to have been reported, and "reported, waiting on the number" is a perfectly good answer here.

The account, as the policyholder gave it

Their words, not a summary of them. The tool call is shown because it is the answer to the question any handler has about a claim that arrives already populated: the items came off a register that existed before the loss, not out of the conversation.

Policyholder

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.

Engine

Attached 6 items from the register held before the loss, £7,300 at replacement value. Nothing here was described at claim time.

{ "tool": "get_asset_register", "args": { "profile_id": "audit_rey15s" }, "result": { "items_matching_the_loss": 6, "replacement_value": 7300, "with_purchase_record": 5, "with_serial_number": 2, "oldest_line_dated": "2023-08-04" } }

Everything else asked

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
Was anyone with you, or is there CCTV or a doorbell camera nearby?: Neighbour two doors down has a doorbell camera facing the street
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

What is held against what is on the claim. The two numbers, side by side, and no third number worked out from them.

Tools & Materials

Ridgeline Roofing Ltd

Line	Figure	Source
Cover recorded	£3,000	Set on 1 May 2019 and not revisited since.
On this claim	£7,300	Replacement values from the register, derived from each item's category and age.

A person decides this claim. Nothing on this screen computes a settlement, applies a policy term or expresses a view on whether the policy responds.

Flagged before the loss: 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.

The 6 items on this claim

£7,300 at replacement value

Item	Claimed	Bought	How it is evidenced
Power tools from Screwfix Direct Cardiff no serial number	£1,272	14 Feb 2026	Bank record2026-02-14 · SCREWFIX DIRECT CARDIFF · £1240.00
Makita 18v LXT 6-piece kit serial MAK-8841207	£925	3 Nov 2025	Bank record2025-11-03 · MAKITA UK POWER TOOLS · £890.00
Power tools from Toolstation no serial number	£434	22 Sept 2025	Bank record2025-09-22 · TOOLSTATION 4471 · £415.00
Power tools from Dewalt Cordless KIT no serial number	£1,280	11 Jun 2024	Bank record2024-06-11 · DEWALT CORDLESS KIT · £1150.00
Power tools from Screwfix Direct no serial number	£2,669	4 Aug 2023	Bank record2023-08-04 · SCREWFIX DIRECT · £2300.00
Sievert hot air felt welding kit serial SV-2291-B	£720	19 Mar 2024	DeclaredPut on the register by the business, before the loss.

Every line here was on the register before the loss. None of it was described at claim time, which is what removes the two requests that add days to a theft claim: what did you own, and can you prove it.

What this needs next

Nothing outstanding

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. In a live system the next action here is a decision by a person, and the queue would show this case as waiting on one rather than waiting on the policyholder.

This screen assembles, it does not decide

No step here accepts a claim, declines one, sets a reserve, values anything for settlement or pays. Those are a person's, and the engine has no route to any of them by design rather than because they have not been built yet.

Where the evidence came from

Every attached line was on the policyholder's register before the loss, most of it put there by a bank statement rather than typed. That is what a handler is being asked to rely on, so the register says per line whether a purchase record exists and this screen repeats it rather than flattening both into "evidenced".

Demo case against a fictional business with synthetic transactions. Nothing here is a real claim and no part of this prototype agrees, values or pays anything.