Hi I am new to this but we are so desperate would really appreciate any comments please. We have dry rot..absolutely devastated. Now dilemma is insurance company wont pay up. I know Insurance companies dont pay up on these sort of claims but they neglected a past flood at he house. We have been advised by a couple of local experts that this flood would be the cause of this. But when insurance company have been out they state it is down to hairline cracks on the outside wall and nothing to do with the flood. Does anyone know of hairline cracks on an outside wall can be the cause of dry rot. It seems all strange to me and I think the insurance company are pulling a fast one but I am no expert, Can the insurance company tell it is from the outside wall without any testing? There are no marks on the outside wall? All they have done is took photos of the outside wall and stated that is the cause? Any help or advice anyone can give would be a huge help