Paid for building insurance. Never mad a claim on any insurance in my life including when hit by another driver. Purchased a new home only to find some structural damaged hidden behind an old burglar alarm box. It would appear the damage is caused by a failed window lintel below. LV would not even send someone out to assess. "It's a wear and tear Issue, you are not covered" Since when has a stone lintel ever been subject to maintenance, preposterous! The building insurance not worth the paper it is written on, if I cannot claim when part of the building fails through no fault of my own.