Ridgeline Roofing Ltd · 6 items · 4 put there by the ledger

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.

What the books say these cost

£6,635

What a fixed asset register in Xero or FreeAgent holds, before depreciation is even applied.

What replacing them would cost

£7,300

Derived from each item's category and age, never typed. Every row shows its own arithmetic.

What they are insured for

£3,000

Set on 1 May 2019 and not revisited since.

The needs statement carries £7,500: the replacement value rounded up to the nearest £500, so it reads as a considered number rather than a spuriously precise one. No form on this page offers to set it.

What only you can add

4 of these 6 items put themselves on the list. A bank statement described them, the engine categorised them and valued them at what replacing them would cost, and nobody typed anything. What is left is the small part a bank line cannot carry.

4 items have no serial number

2 of 6 carry one

A serial number is what identifies a specific tool as yours once it has been taken, and it is the one thing a bank line can never carry. One box each. Adding one corrects the row the ledger already found rather than opening a second row for the same tool.

From the page you bought it from

Paste the address and the shop's own product data fills the form in: what it is, who made it, the model number and the list price. Nothing about it is guessed, and nothing about it is trusted either. It is a fact with a source, exactly like everything the audit extracts, and you confirm it.

No product page to hand? These two are served by this prototype, and say so on their face.

By hand

Cash purchases, gifts, anything bought before the ledger window, and anything a bank line cannot describe. Replacement value is not asked for: the engine derives it from the category and the purchase date, and shows its working on the row.

The register

Every line, what it cost, what replacing it would cost today, and where it came from. The two money columns are the reason an accounting fixed-asset register cannot be used as a sum insured: it holds the left one.

6 items 2 with a serial number

Item	Bought	Cost	Replacement	Source	Adjust
Power tools from Screwfix Direct Cardiff Power tools · no serial number How this was valued £1,240 paid 0.5 years ago, uplifted at 5.0% a year. Evidenced by 2026-02-14 · SCREWFIX DIRECT CARDIFF · £1240.00, which is what a handler would ask for as proof of purchase.	14 Feb 2026	£1,240	£1,272	Ledger	Correct Item Category What you paid Purchase date Serial number Taking a line off is recorded rather than done: it comes off the register and off every total, and the block below this table will offer to put it back.
Makita 18v LXT 6-piece kit Power tools · serial MAK-8841207 How this was valued £890 paid 0.8 years ago, uplifted at 5.0% a year. Evidenced by 2025-11-03 · MAKITA UK POWER TOOLS · £890.00, which is what a handler would ask for as proof of purchase.	3 Nov 2025	£890	£925	Declared confirmed	Correct Item Category What you paid Purchase date Serial number Taking a line off is recorded rather than done: it comes off the register and off every total, and the block below this table will offer to put it back.
Power tools from Toolstation Power tools · no serial number How this was valued £415 paid 0.9 years ago, uplifted at 5.0% a year. Evidenced by 2025-09-22 · TOOLSTATION 4471 · £415.00, which is what a handler would ask for as proof of purchase.	22 Sept 2025	£415	£434	Ledger	Correct Item Category What you paid Purchase date Serial number Taking a line off is recorded rather than done: it comes off the register and off every total, and the block below this table will offer to put it back.
Power tools from Dewalt Cordless KIT Power tools · no serial number How this was valued £1,150 paid 2.2 years ago, uplifted at 5.0% a year. Evidenced by 2024-06-11 · DEWALT CORDLESS KIT · £1150.00, which is what a handler would ask for as proof of purchase.	11 Jun 2024	£1,150	£1,280	Ledger	Correct Item Category What you paid Purchase date Serial number Taking a line off is recorded rather than done: it comes off the register and off every total, and the block below this table will offer to put it back.
Power tools from Screwfix Direct Power tools · no serial number How this was valued £2,300 paid 3.0 years ago, uplifted at 5.0% a year. Evidenced by 2023-08-04 · SCREWFIX DIRECT · £2300.00, which is what a handler would ask for as proof of purchase.	4 Aug 2023	£2,300	£2,669	Ledger	Correct Item Category What you paid Purchase date Serial number Taking a line off is recorded rather than done: it comes off the register and off every total, and the block below this table will offer to put it back.
Sievert hot air felt welding kit Power tools · serial SV-2291-B How this was valued £640 paid 2.4 years ago, uplifted at 5.0% a year. No purchase record is attached to this line. A declaration is not proof of purchase, and the claim page says so rather than counting it as one.	19 Mar 2024	£640	£720	Declared confirmed	Correct Item Category What you paid Purchase date Serial number Taking a line off is recorded rather than done: it comes off the register and off every total, and the block below this table will offer to put it back.

Replacement value is derived from category and age. No form on this page offers to set a sum insured.

How this list keeps itself

Where the rows come from

Found in the ledger: 4 of 6, described, categorised and valued without anybody typing
Declared by the business: 2 of 6, which is what this screen is for
Carrying a purchase record: 5 of 6, being the bank line that evidences the purchase at claim time

A declared line is not the same as an unevidenced one and a handler weighs them differently, so the claim states which it is rather than saying "none".

Where these edits live

In the address of this page, and nowhere else. A reload keeps them, the back button keeps them, and every link on this page carries them forward, including the one to the claim. Send someone this URL and they see the same register; open /register?demo=ridgeline-roofing without it and the ledger version comes back.

This business belongs to nobody: it is one of four fictional ones this prototype ships, so storing an edit against it would make one reader's register into everybody's. A business on an account keeps its register on the account instead, and no link carries anything.

No edits yet.

Hired in, not owned

2 hire transactions in the ledger. These never appear in an asset register, because the business does not own them, but a hire agreement usually makes the hirer responsible while the item is on site. That is a Hired in Plant cover line rather than a sum insured, and the audit carries it.

Plant hire from HSS Hire (recurring, 12 months) 12 charges totalling £8,160, most recently 2026-07-25
Plant hire from Scaffold Hire South Wales 2026-04-08 · SCAFFOLD HIRE SOUTH WALES · £2400.00

Two ways in that are not built

Both of them need somewhere to put a file. This deployment can keep a register and cannot keep a photograph of a receipt: a database row is not a filestore. Written up in full in asset-capture-concept.md, and stated here rather than drawn, because a picture of a working integration is the same class of overstatement as an audit that states something a ledger cannot show.

A receipt on an item: One invoice is routinely four tools, so the mapping is many to many and worth designing properly rather than bolting on. What the register can already say is which lines carry a purchase record and which do not, and it says it above.
A forwarding address: Forward an order confirmation and it files itself, at an address shaped like asset+<token>@docs.pickle.com. The token is the whole credential, so it has to be long, per target and revocable, and inbound mail is spoofable and has to be checked rather than trusted. Nothing receives that address today.

This is what the register is for.

The same register from the business's own side, carrying the same company and the same edits.

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.