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During the renovation of our Bed-Stuy brownstone, a $900 rented sander has gone missing. Our GC said the sander was on the parlor floor of the house when he and the crew left. I locked the door behind them and was on the garden level for the rest of the night. There was no sign of break-in, and nothing else was missing. Should a contractor’s insurance cover this? Do we need to call the police? Ethically, if no insurance covers this, should we split the cost?