Filing an insurance claim on lost or damaged stock is one of those things that feels straightforward until you're actually doing it at 11pm after a flood, a break-in, or a receiving error that somehow turned a full pallet of product into a line item nobody can trace. That's when you find out whether your records hold up. Most claims don't fail because the loss didn't happen. They fail because the documentation can't prove what was there before the loss occurred. An adjuster i