Customer service is appalling and the company actively condone fraud against customers by their employees and those employed by them. If you believe they have not acted correctly with you obtain a Subject Data Access Request ( details on web ) that will show you exactly how they have treated you and the service is free. Documents I obtained show that they only authorise the minimum work required to re-instate the property and ignore damage even more serious if not reported by you. New for old replacement is made on a like for like basis which is much lower than the claims made in policy documents. If they use Cunningham Lindsey beware because they actively participate in fraud to reduce the impact of claims to the insurers and in my experience manipulate survey results to achieve the desired outcome, in short both companies are nothing more than crooks.