Did you realise that 1 in 5 home insurance claims are rejected? You really do need to read the fine print to make sure you are covered.  

Many claims were denied due to a failure to maintain their property. For example, roof damage caused by a storm that affects numerous homes in an area is likely to be successful. Roof damage caused because previous faults had been left without the homeowner's attention were less likely to succeed, the ABI said.