Hi. I couldn't agree more, re underhand tactics employed by both Aviva, and Crawford and Co. Loss Adjusters. I can't possibly itemise each and every reason for serious complaint, but basically, my house suffered flood damage, due to burst pipes - Dec 2009 !!! Nearly 30 months down the line, and I am STILL awaiting full and final settlement ! The nightmare became so distressing I had to ask my Solicitor to act on my behalf. I've been in rented accom throughout, having to pay 'up front' myself. It requires virtual threats even to get some interm payments. All in all, the experience has had a dramatically adverse affect on my life. I am a retired Bank Manager, and never ever either in my professional or personal life, have I encountered such negligence, incompetence, and utter disregard for customers so affected. Iain.