Right where do I start oh I know. Once upon a time many years ago I took out a buildings and contents policy with L&G and all was well payments taken each month on time with no problems. One wintery night in October, the 15th to be precise at around midnight my daughter in law said that she could smell smoke and to our horror she was right we discovered a small fire in my dining room ( the fishtank lid had set on fire due to a led lamp shorting out), the result was a hell of a lot of thick black smoke. A couple of days later the loss adjuster came and said that the dining room and everything in it was condemned and that the rest of the house was infected with soot. He said that the dining room will need to be gutted and everything in it will be disposed of, the rest of the house will be deep cleaned with a time span of around 3 weeks and asked me if I want to organise the work or let them sort it out,as I've never been in this predicament before and didn't have a clue what to do I opted for loss adjuster to sort everything out. I received a call soon after telling me that the big bad wolf (let's call him polygon) so as he said polygon rang us up and said that the earliest they could get out would be the 6th of November which happened to be the day we went to florida for a well deserved holiday that we had saved up for for 2 years, we told the loss adjuster and also said that my son who lives with us and his girlfriend would be available to help. The loss adjuster said" that's fine you go on holiday and when you get back it will be to a clean and repaired house and any decor that needs touching up will be done meanwhile we was put up in a hotel for 3 weeks and then extended on a weekly basis for my son and girlfriend till we move back in (this also included my 5 dogs as no kennals were available) While Iwe was on holiday adout two days in I received a phone call from my son telling me that polygon had started to check some of the electrical equipment and it had failed and needed to be disposed of is that OK I said that they are the experts so let them get on with it. Most days of the holiday I received phone calls and on the last one I was informed that the big bad wolf had huffed and puffed and blew everything we owned (40 years worth) into a rubbish skip and took it away (5 tvs, furniture, sky boxes, laptops record player, xbox, games, dvds aprox 500, every carpet in the house everything was deemed beyond economic repair even my brand new polar express train set (for the grandkids 😂) still in its sealed box never been opened) yes everything, my son was kicked out of the first hotel as it had not been extended (this happened 4 times) we was told to go out and sort out some essential furniture so that we can move back to the the house for Christmas so we went out and got some cracking deals and just needed deposits, did we get the deposits no so we lost all the deals apart from one that I'm paying off on instalments with interest but we were made to look real idiots. I received a phone call from the high claims manager (let's call him thewicked sheriff of Birmingham) who had the audacity to say that I was dragging my feet for not getting the essential furniture that they failed to pay for. Eventually we got the furniture but still with payment issues on a serious note the list of things (lies, payments, arguments etc) have been going on for the last 7 months and still not resolved, we have reported them to the financial ombudsman the total settlement amount is a joke (and my wife has told them that they should be on the stage as comedians) there does not seem to be any real help out there to get us through all this you have to fight it all on your own,this ordeal has put me in ill health and nearly cost me my job and my wife has lost over 3 stone. Tpshis is still ongoing and I'm sure that they do all this hoping that you will give in All I can say is avoid this company at all cost if I could I would have given them a - 5 star 🌟 ps... To tell everything that has happened would take me several days and I'm not joking!!!