We had a water leak in the bath room, which led to water coming through the kitchen ceiling, I repaired the ceiling, but after a few months the floor boards in the kitchen started to warp. We Put in a claim to our co op house insurance. An insurance assessor came to our house and led us to believe it was a straight forward claim (he may of done this to get tea and biscuits). Then the co op insurance rang us to say there was not enough evidence of a water leak and they would not pay out. So the moral of the story is: Do not be honest with the co op, or better still, don't waste your money on co op insurance. 7 October 2017 John mccullagh