There are two elements to effective work from an insurance company at the time a client requires it. First is the the communication and support offered at the primary response level. Second is the quality of subsequent refurbishment. The craftsmen and businesses employed by Home Protect are excellent. They know their stuff and and did a first class job on putting our house back together after a flood. 5 Stars to them. By comparison however, the quality of the Home Protect team at the end of the phone when you contact them is incredibly poor. Even to the point of being told in our first call that despite having a house full of water, we had no claim. I am sorry to say that the person who then dealt with later issues at customer services was even worse. I hope that these were just temporary blips from Home Protect - perhaps regular staff were isolating? Given that you normally only ring when something bad has happened to you, this is an aspect of their service that they would wish to improve. 1 star.