I have Buildings and Contents insurance with Halifax. We have water damage to the kitchen ceiling from a leak somewhere in the bathroom above. Halifax say they won't even send anyone to look at the problem until we have had a plumber cut holes in the kitchen ceiling and try to find the leak and repair it ( bathroom is fully tiled floor) If plumber can't find the leak they will consider the job ! They will not pay for the plumbers call out or work and then they charge £500 excess for any water damage problems anyway. So basically "get the problem fixed yourselves and then call us and we'll do some redecorating and charge you the first £500 " What is the point of their insurance ! ?