Damn good question. Furthermore, what about "rare" ...yet "common" items. By those I mean like what if someone has, for an example (I don't) an original Itex Safety ear defender? To a claims adjuster that may appear as a common $9 ear muff set and they wonder what kind of scam you are trying to pull. They are in fact so rare right now that there isn't way to prove their true value! This goes the same for most of the 80s tech parts that were used in other props. How can a claims adjuster fully appreciate the "rarity" of these "common" 80s items are are simply "outdated/old" to 99.99% of the population, yet are insanely desirable??
Another example is the Explorer MMIV. To most of the 'knife community' it was a "cheap-knock-off" of the Gerber Mk2 and uncool. To Aliens fans, one sold on ebay for $212 just last week because they surely knew it was Hudson's. How do you quantify the true value of seemingly common, yet insanely hard to find items?!?!
While something like TE armor at least has a receipt to prove its value, what about "sweat equity"? If it was a good build, what would an insurance adjuster assign as a dollar value to say, a smart gun?! Would you get only the value of the Airsoft/resin foundation that does have a receipt? Rest of it be damned? Can the hours of labor be quantified in insurance?
I have wondered the same thing you have and can't help but think we are sure to get screwed if disaster fell upon us! Best I could come up with is make a few "this is my collection" videos to try and explain the value of what I have. (I honestly did the videos expecting to post them online, but realized I cam across as way too obnoxious. I decided to keep them as something of "proof" should I need to file a claim on what was lost in a home disaster).
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