Hi : you don't need any policy . better to borrow money and renovate yourself . After reporting the damage they appear . When you need help they write that they have a time of 5 days to respond by e-mail . Then a horrible man shows up : Darren Robb, Dip Cii claims, BDMA Insurance Technician Senior Loss Adjuster Davies Group Limited PO Box 3097, Stoke On Trent, ST4 9FZ M - 07585 302450 T - 0344 856 2313 and : - arrives outside your house in a white BMW you can't afford. He doesn't carry an ID . There is no protocol . He takes notes in his hand on paper . He takes pictures with his cell phone. He walks around the house in all the rooms . He smiles falsely . He doesn't even believe what he sees. He asks if the same thing happened at his neighbors. And that's it . When you point out to him that this is rather not how the assessment is, he passes your case to Fraud and you are suspected . I have not seen a bigger fraud !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Idiot ??