Jim and to all:
This may be a little off, but it happened to me and I'll post it to maybe help others........
I had a brand new 18' boat once that I kept locked up in a boat storage place not far from where I lived. Kept it there about a year. Well, one day the owner of the storage place calls me at home and ask "Did you happen to take the motor off of your boat for some reason?" I said "What.....?"
Took a little ride down there and found my one year old 110 hp Johnson outboard motor was GONE off of the transom, along with all the controls. This particular storage place had metal doors, roofing, and siding, but the dividers between the stalls was CHAIN LINK FENCING. When I was in my stall for example I could SEE into others peoples stalls and see what they had in each. (I'm NOT a thief, so I never thought about it). What apparently happened was the stall next to mine was empty, the thiefs came into the stall next to mine, cut the chain link fence with wire cutters, and proceeded to help themselves to my $6000. motor.
Insurance only gave me $4500. (because I didn,t have REPLACEMENT value insurance or some crap like that). They deducted the value the same as a used car in other words.
So, I hope this helps someone out there.....look around where you keep your stuff.....check out your iinsurance for the "replacement" clause on your insurance......and good luck.
David Swain