Have had home insurance with policy expert for a number of years. A week ago we had terrible weather and our front room flooded. First problem was that I was unable to contact someone until Monday the flood happened on Saturday. I was asked if our home had ever flooded before. I told them that it had 9 years ago, we have owned it for 5. I explained that an elderly neighbour told me when I was in the garden trying to pump out the flood water. She then told me that because of this it has to go to their underwriters and they probably won't pay out. I told her that when we bought the house it didn't come up in the searches and the person who sold us it didn't disclose this information. Our home situation is very difficult as my husband has a terminal illness motor neurones disease and has respiratory failure and is reliant on a ventilator so living in a damp house is not good as well as the fact that he is completely paralysed so we have a lot of equipment so having a house with furniture stacked and a carpet that I had to cut in half and all the mess is not good. I explained our circumstances to them and they were not at all interested. I have made many phone calls and most of the people I have spoken to were rude unpleasant and obstructive. I asked to speak to a manager only to be told that they were all in meetings all day! At this stage we don't know if they are going to pay out and we have now been waiting 5 working days when we were promised a decision in 2 to 3 working days. I think the treatment we are receiving is disgusting and I intend to tell as many people as I can how terrible this company is. Cheapest is not always best!