I have also had a similar experience with Cunningham & Lyndsey appointed by SAGA insurance. We had a serious house fire on January 13th, leaving us with a hole in the extension roof, smoke damage, no washing machine, tumble dryer, fridge or freezer, dish washer, and water damage to the ground floor and broken windows which Rainbow International bubble-wrapped. We saw the loss adjuster from Cunningham & Lyndsey once, but his estimates for replacement of roof, electrics, plumbing, hacking off plaster and redecorating was only approximately £2000. The first builder's estimate was over £10,000 which Cunningham & Lyndsey rejected after sitting on it for over three weeks, which caused further delay. It has taken me over three weeks to organise a second set of estimates, which still come to way over £2000, as there was also damage to the double glazed door and panels. This estimate has been sent back to the loss adjuster. They seem to want you to use their builders - but on researching online - there are numerous complaints about the quality of their builders' work and I want the job to be done properly - not botched. They also employed a company called Rainbow International who took away our winter coats to clean them - and then kept them for a month so that we had no winter coats throughout all that bad weather in January and February. We have only just had them returned. This company also left the carpets in a dangerous state so that I fell and injured myself, cracking my head on a table. My husband was also taken to hospital with a minor stroke(TIA) partly as a result of the stress of living in these circumstances. We had also had a secondary leak from the damaged plumbing because of all the delay. All I can say is - don't use SAGA or Norwich Union Insurance if you might need to claim on your home insurance, as my experience so far has been dreadful. Perhaps it might be possible to warn other people so that when their insurance comes up for renewal, they can choose a better company.