Woeful company!!! Do not use!!!! I am currently staying with my parents, on the 6th September their dining room ceiling came down. Investigations showed that the hot water tank had a crack, which over time had caused water to seep into the surrounding floorboards. Legal and general were informed and a surveyor was sent out to assess damage. He was concerned the flooring was not entirely safe to walk on and shoul be done immediately. Legal and general assured us it was in hand, and would be swift as we were (and still are) without heating and hot water. Over 6 weeks later. Have been passed from pillar to post, told 1 thing by 1 person and another from others etc. Thought we had a breakthrough last week, when told workmen coming this morning to start ripping up old floors, workmen arrived with the news that L & G had not agreed costings with them yet and they couldn't start. Aaaaarghh! I'm 6 months pregnant, no heating, no hot water, unsafe flooring and no apologies from L & G for this utter fiasco. They don't seem to care, awful company. I'd advise to seek insurance elsewhere.