"Gloxx1961" wrote:
Thank you for your comments

I am glad you mentioned about the bin bags and duck tape and
yes like you I am thinking on those same lines, why do we pay insurance
otherwise!!! and thanks for the legal stuff. The structual engineer
who came out through the Loss Adjusters has ruled out subsidence which
is what I was worried about.

I would be suspicious about a report from an insurance-paid structural
engineer as they are not independent. As for loss adjustors, their job is to
minimise pay-outs and to always decide in favour of the company and not the
customer. If they can they will take you to the cleaners.