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	<title>Comments on: Hi i&#8217;ve heard a number of stories about assessors valueing certain items in one&#8217;s household contents by using a formula.  e.g. for clothing they decide on your most common label like Edgars and then they value R100 per item multiplied by the number of hangers in one&#8217;s cubboard.  This doesn&#8217;t sound logical.  Once I have a long list of every item in my house, how do i know that i&#8217;ve attached the right value to them?  another example is the tv unit that i made myself.  The materials cost me about R1000 but what would an assessor value it at?  do i submit my list of items to you or do i use it as a guide to give you a final number.  My concern is if i claim, will an assessor have another opinion on my valuation and will I be left short paid.  Your advice will be much appreciated.  thanks.  P.s. i have a garden shed in my couryard in my complex.  it has my garden tools, golf clubs and some power tools in it &#8211; all locked with a padlock.  Will this be insured?</title>
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