[QUOTE] Know the feeling - sounds like you had a narrow escape[/QUOTE] heh, at the time of the strike I was in the bay window wiping down the window and sill with a towel because I'd left the windows open when it started raining. Holding my arm up with a wet towel :-) [QUOTE] Lessons learnt:- 1: Make sure you have adequate building insurance to cover rebuilding - measure external dimensions of the house and x number of floors and get them to give you a figure. [2][/QUOTE] I live in a flat so the buildings are covered in my yearly maintenance money. I might ask at the AGM what value they're insured for. [QUOTE] 2: Make sure your contents insurance is adequate - if you are underinsured they will 'average out' your payment proportionally ie: if you have £50k worth of cover and your contents are worth £100k, assuming a total loss they will only payout £25k.[/QUOTE] Yeah, did make sure that the cover was adequate. Easy to forget to add stuff though. [QUOTE] 3: Don't take the piss and get on the right side of the loss adjustor - they can be *extremely* helpful and highlighted the 'averaging out' system of the contents bringing in the claim just under the insured limit.[/QUOTE] This is a really small claim, only 500 quid for a tv, computer and router so there haven't been any problems and More Than have done it over the phone.