Had to use the insurance to cover the water damage to the kitchen when the pipe burst in the bathroom above.
Thought it was going to be a ball-ache as it was months ago and only recently did the ceiling finally give up the ghost needing to be pulled down.
They couldn't have been better, saw the photos of the damage and the flexible pipe that had split, asked for a couple of quotes to get the damage sorted and within a couple of days money transferred into the account, no hassle.
They don't even want to see proof that the work is carried out, amazing.
When I had a chimney go through the roof during the '97 hurricane the insurance company (Eagle Star) couldn't have been worse. Were willing to pay for a repair £6k if their guys did it but when I got my own guys to replace the entire roof for £2.5k they quoted some 'betterment' bull-excrement- and would only offer to pay out £1.5k.
Reluctantly I agreed as I needed it doing, so the roof was replaced, then they sent an ass round to check the work and even though it was perfect they deducted a further £600 for 'administration' so only sent me a cheque for £900.
I had the last laugh though as I got the ombudsman on the case, he reviewed all the evidence and even sent his own bod to inspect the work and he ordered them to pay me the full amount with interest as it was now 18 months later. They paid me in instalments and eventually two years after the storm I finally had all they owed me.
Then I sold the place to property developers, doubled my money and they ripped it down and built a surgery on the site....oh well
I wasn't surprised when they went bust.