shower started to leak into downstairs ceiling. short circuited the lights and damaged the ceiling. Turned off water to shower and isolated the electric circuit. I have the home emergency cover so thought it would be simple!! So wrong- its not covered; I need to pay for a Trace and Seek first! Then I have to go to Policy expert to claim as the home emergency cover is a third party- Sedgewick. As they say you don't know how good an insurance company is till you have to use them. Worryingly i have also taken out car insurance with them and had just recommend them to friends and family!