Appaling fraud by Halifax Home Insurance. I paid for home insurance and emergency repair protection add on. First the engineer did not arrive on the day booked, i had to chase them, they arrived a day later. Then the engineer had no intention of doing anything when he arrived. I had a leak in my roof after storm Bella. The engineer looked around 16 years old, he said he was roofer, but did not intend to look or enter the roof space, I had to insist, he asked me if I had a ladder, surely he should arrive prepared. He went off to get a ladder lift the roof hatch 3/4 inches, did not enter or inspect, in fact all he could see was a dark space and some insulation by only lifting the hatch that much. Halifax then reported the engineer stated in his detailed roof space report the roof felt and roof were in poor condition and declined claim - the report was completely fabricated. I took a video to show Halifax and show emergency repair company and their subsequent assessor who didn't enter the house at all what a loads of disgusting lies their report was. Independent local well established qualified roofing company came inspected my roof said it was in good condition and no issues with the lining or external evidence of anything to show it was in poor condition. AVOID HALIFAX AND THERE EMERGENCY INSURANCE THEY SCAM. Reporting the ombudsman with evidence.