Home emergency - water leaking through wall from waste pipe above kitchen which flooded fuse box. Mugged off by having to handle the claim myself between JL (Royal Sun Alliance), an emergency company called CET and a loss adjuster called Cunningham Lindsay. I had to call all three entities numerous times and was given a different explanation, outcome and costs every time. I was told that flooding houses and wet fuse boxes do not constitute an 'emergency' and I that because I have another bathroom it matters not that I have a new born in the house. Apparently JL insurance does not cover waste pipes, water damage, or quite frankly anything that is written in the policy. I have literally just got off the phone to CET and cancelled the claim as I believe I could probably get the work done locally for similar to the excess quoted and without having to deal with THREE separate disconnected companies all with their own agenda. NOTHING TO DO WITH RETAIL JOHN LEWIS....AVOID!!!