Imagine briefly that your home was struck by an unfortunate disaster like a fire or burglary. Soon after, when you are safe from immediate danger, and the authorities have the situation under control, you’d pick up your phone and contact your insurance company to file a claim. And when the claims adjuster meets with you to settle your claim, he or she will hand you a form and advise you to list each item that was lost or damaged. At first you think to yourself, “This shouldn’t be too hard.” Besides, you live there and you know your stuff . . . right? On..