do i have to have receipts for my husbands tools in garage if garage is broken in to?

If your garage is broken into and your husband's tools are stolen, you will need to file a claim with your insurance provider to recover the value of the stolen items. In this situation, it's helpful to have receipts or some proof of ownership to help with the claims process. However, not having receipts does not necessarily mean that you will not be able to file a claim or receive compensation. If you do not have receipts for the stolen tools, there are other ways to provide proof of ownership. For example, you could provide photos of the tools, warranty information, or any other documentation that shows you own the tools. Additionally, if your husband has any records of the tools, such as serial numbers, these can be useful in proving ownership. Your insurance provider may also use other methods to determine the value of the stolen items, such as using industry pricing guides or consulting with experts in the field. The insurance adjuster assigned to your claim will work with you to gather the necessary information and determine the value of the stolen items. It's important to review your insurance policy to understand the coverage limits and exclusions related to stolen property, as some policies may have specific limitations on coverage for tools and equipment in a garage or other outbuilding. For example, some policies may limit coverage to a certain dollar amount or exclude coverage for tools used for business purposes. In summary, while having receipts for your husband's tools in your garage can be helpful in the claims process, it's not always necessary to file a claim or receive compensation. Other methods of providing proof of ownership can be used, and your insurance provider will work with you to determine the value of the stolen items and any coverage limitations or exclusions that may apply.