Let me start by saying that Homprotect is a disorganized scam machine. We had to wait 3 weeks for a surveyor to come out after storm damage. We were handed a report that said the damage was purely one off down to Storm by their surveyor, Who told us we were covered and would receive 1600 for the repairs. 3 weeks of chasing them for payment they said you are not covered because the damage was due to wear and tear. I said this is nonsense and not what your surveyor told me, send me a copy of the report. 10 phone calls later no report. I then informed them of their surveyour report I have a report at which point they changed their story. they said although the damage is internal due to the storm, and purely due to the storm as their surveyor said there is no damage outside like broken roof tile ????????????/!!!! the water leaked purely due to a storm and nowhere in the policy does it say unless damage outside will internal damage not be covered I am sure if there were broken roof tiles they would claim this wear and tear. They still refuse to send a copy of the report. They are running a pure scam and backtracking on everything. Having to submit SAR to get a copy of the record and the report and will take them to the Ombudsman. As a warning stay away from them they are a company that breaches every FCA regulation there is. They can not even send you a formal complaint number