Clubs stolen

Had my clubs stolen out of my shed, my house insurance are currently dealing with it! £1750 worth of gear! How will they replace it???

My brother had his clubs stolen out of his car and it was covered under his home owners insurance policy.  His was based on replacement value, for some of the items an exact replacement could not be made, so for instance, the driver wasn't still in production so a comparable model was used for value.  He also had a $500 deductible, but he got a check for the value less the deductible.

What is amazing is just how much you have in your bag, for all of his stuff he was right at $5000.  We are both pretty tight with our golf budgets and rarely if ever pay full retail for an item.  I can assure you he didn't spend $5000, but it's amazing how all the items in your bag add up.  Rain suits, GPS, sunglasses, windshirts, head covers, golf balls, he included all those things and they add up.

wow that still seems high.

driver 400

fairway 600(2)

Hybrid 450 (2)

irons 1000

wedges 375 (3)

Putter  300

Range finder 400

rain suit  600  pants and top

Bag 200

Misc balls, gloves, 200

Total $4525, all at retail

Oakley sun glasses (prescription) $300, head covers $50, Scotty Cameron divot tool, $20, Nike thermal sleeves, $40, Pearl Izumi hear muffs, $30, ZR rain hat $50, ZR wind top $200, ZR wind vest, $75, Frogger towel, ball towel, brush $70.  It's some of the little stuff that adds up, and we went through it with a fine tooth comb to make sure he could replace all of the equipment.  We catch a lot of crap from our wives that we have all the same stuff, but in this instance it was a saving grace.  I literally pulled everything out of my bag and we listed everything in it and got the retail price to replace.

well you forgot the alligator leather  golf shoes $900. and the 250 sun mountain speed cart for that matter too....My point is if you own and its stolen great, if you making things up to cover your deductible and get top of the line new equipment Taylormade/Titleist for example, when you owned Orlimar & that you think you are owed- well that is dishonest, against the law. To each is own,  better hope your insurance adjuster doesn't play golf, he may smell something fishy. I prefer to sleep at night .