Strong winds and driving rain found it's way into my loft the rain water run under my loft boards onto plaster board celling and soaked my laminate flooring. I called Churchill to see what was covered and how they would help, they said if my roof has not been inspected in the last 3 years by a builder (roofer) then I am not covered as this is down to wear and tare, I have never heard so much ball in all my life. These crocks will not pay out on anything, look at all their reviews, I had to give them one star but they are not worth that much, there is a reason they are cheap, if you want home insurance DO NOT buy it from them. After I put the phone down on them they called me back 20 minutes later advising me to get a builder round to do the necessary work encase the roof problem gets worse but they (Churchill) can't help. Needless to say I will never use any services from these low life's again an off course cancelled the direct debit and have now gone to a reputable company. Avoid these at all costs, you have been warned.