In Cox v. Sears Roebuck Co., 138 N.J. 2, 647 A.2d 454 (1994) the New Jersey Supreme Court set forth what a plaintiff must prove to demonstrate a loss under the CFA. The Court found that a plaintiff only has to supply an estimate of damages, calculated in a reasonable degree of certainty and, thus, the "the victim is not required actually to spend the money for the repairs before becoming entitled to request a claim." Id at 21, 647 A.2d 454.