I spoke with the claims department regarding the rear wall to my house. I had replacement double glazing installed and during this the builders found that the concrete lintel had cracked and the outside wall had dropped which was unsafe. I authorised the double glazing company to replace the wall and lintel to make it safe which they are in the process of doing. They have disposed of the concrete lintel which had to be cut up to move. 4 metres in length. I phoned claims to explain this naively thinking that they would be of help but it became quickly apparent that this would be down to wear and tear as on of the exclusions. Not very impressed by this attitude and very disappointed, but not surprised. Was told if there had been a fire, theft, flood etc then this would be covered but not what I phoned up about. Will not be renewing my policy with this company.