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Many thanks. I'll see how I get on , pretty sure they are going to say everything's in order though I'm sure its not! They seem to have us over a barrel. Wish now I'd got the repairs done myself, would've been cheaper that the £1000 excess I had to pay, and my policy has gone up £15 a month even...

I have a copy of the report which is about 3 sentences long. The assessor wrote his initial report when he visited the house, and a chartered surveyors who didn't view the property wrote the remedial report.

Thanks for your replies, do you think I should approach the insurance company again or make a complaint about them to get it investigated?

Hi, I had a deep crack on my landing at the top of the stairs. This is halls-ajoining so I asked my neighbour if she one and she did! We both told our (different) insurance companies and they both said it was subsidence, hers caused by tree roots in the drain and mine caused by a leaking drain...