Took out 3 year home insurance with Saga unfortunately they use Covea. My roof was damaged by wind and storm damage confirmed by two independent roofing companies who recommended claiming from insurance. Covea sent an assessor who was totally uninterested took pictures of the roof from the ground. Wrote an almost unreadable reason for refusing claim as incorrect mortar used. Not taking samples or going up on roof. Based on his report the claim was rejected twice not taking into a count we had 70 pH winds in the last two months The roofing company said if the winds were not so bad the tiles would still be there so nothing to do with wear and tear. Reading the financial ombudsman guidelines I am now appealing with them I thought Saga would use companies that were age friendly. I was asked to confirm his decision by saying yes on his phone, even though I had no idea if he was right of wrong. So my advice check who Saga are using to cover you. This has been a very stressful 3 weeks.