My Claim was first logged beginning of August 2018, for burst tank in my loft, which flooded the downstairs. The damage was whole ceiling in kitchen to be taken down and replaced, light fittings, redecoration (Papering) of walls including painting, tiled floor to be taken up and replaced 34 m2, replacement of 1 x worktop, replacement 1 x End Panel replacement tiled floor in hallway, tiled floor in office another 16 m2 to be replaced, redecoration of walls and ceilings and painting in hallway stairs & landing, carpet on stairs to be replaced, 1 x bedroom laminate floor to be lifted and replaced, redecoration of 1 bedroom including painting, removal and replacement 1 radiator, and replacement of 5 light fittings. All this was at a price from my builder of £14213.00 inc vat. L&G sent out a company called BVS (more like sent to rip you off merchants) who done a full survey and came back with a scope of works for all work to be done for just under £5200.00 (Complete Joke, I advised them if a building company can do all this work for that price they must be cowboys! ) So we asked for another BVS Surveyor to do a 2nd revised Scope of works only to be told he couldn't do his job properly and felt intimidated by me, my own loss assessor and builder ! They also asked me for a second independent quote which came back at £12,800 and this still wasn't enough for them. Anyways this went on & on and the amount offered did not include VAT Or Disturbance allowance for 2 adults and 1 child being without a kitchen whilst work is being carried out in the kitchen (Approx 10- 14 days), this would only be payable on evidence (photographs being taken of my kitchen ceiling and floor being ripped out & replaced) I advised I would not be there to take these pictures due to my daughter being in hospital having an operation, to which they replied "get your builders to take them and send" I advised it was not their job to do this as they are only employed to carry out the repairs on my house NOT to be L&G's photographers ! Also VAT would NOT be paid until receipts seen & sent in proving work had been done. I feel I was bullied into accepting an amount to repair my home because I was desperate and they new my daughter and myself were both ill and if I took it to the Ombudsman, I would have to wait between 6/12 mths, had I have been financially secure and in a position to wait, I would have not accepted this amount and took further action. As a result of this they have now pushed me into debt and had to take out a loan to complete the remainder of work. PLEASE AVOID L&G HOME INSURANCE AT ALL COSTS AS THEY DEFRAUD YOU A FAIR AMOUNT THAT YOU SHOULD BE PAID OUT ON CLAIMS AND DRAG THINGS OUT, MAKING LIFE DIFFICULT FOR YOU ! NO COMPASSION AT ALL, SHAME ON YOU L&G