I had the misfortune to be affected by the floods in Dec 2015 the whole ground floor was flooded to the depth of 5 ft. And unfortunately for me I was insured by L&G my buildings cover was £800.000.00 but have had to fight with this company to get my home back to the condition it was before the floods. The building surveyor they sent was a joke missed loads off and costed the works at half what the builder had quoted,even though L&G were allowing more money to reinstate smaller houses in the area. They are not consistent when it comes to a large amount of claims.And as homes affected by the floods have not been lived in for a number of months with out heating and major works going on in the house and surrounding area the first floors are filthy and uninhabitable the majority of insurance company's have taken all this into account and replaced beds and carpets and paid for redecoration not this company won't even pay for cleaners.Absolute joke of a Company stay away from this insurance company because when you have a disaster in your life they make it a living hell.!!!!!!