We made a claim to repair a garden path and wall after the severe storms in February 2014. I had to collate several quotations from the Landscape Gardeners, which was a long and painful process in itself. Having finally gathered this information and agreed the payout with the loss adjuster, I then waited a further three months for the final cheque. The loss adjuster made several excuses for the delay and even lied and told us he had submitted a report when he hadn't. In the end, we had to pay for the repairs from our savings because the cheque had failed to arrive on time. Very disappointing.