I wish I had looked at these reviews before choosing QMH for home insurance. Five years we have been with them and now we need to claim. Our claim is not covered. On Wednesday 18th October at 20.45 there was a huge gust of wind and an immediate bang and rumbling noise from our roof. My husband went outside to find a large strip of lead flashing laying on the path and a gash running down the roof where the flashing had been. Contacted the insurance first thing , we have home emergency cover on the policy too. They agreed to come out and do an emergency repair on the Friday morning which was a relief with more rain forecast. This morning we had the surveyor out to inspect for the proper repair. He informed us that there was nothing they could do as they had checked with the met office and there was only 47 mile an hour winds at the time and the minimum claim strength is 55. We can’t believe it !! The roof is damaged it’s not like someone got up there n damaged it or we’ve neglected it. My husband is in his 60s with health problems it’s not like he can get up there himself and fix it. I’m taking the matter further these corporate companies should not be able to basically fleece you n give nothing back.