Would give 0. Any excuse not to pay out. Storm damages and they say it was wear and tear. All from a picture of the damage. Never sent anyone out. No issues before the storm and have a home report confirming no absolutely no issues. To get told that “things can go on behind the scenes and need to maintain the home”! Changing insurers will never use again!
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It is named after the town of Halifax, West Yorkshire where it was founded as a building society in 1853.