Eva888: That it’s only weeks till Christmas and my kitchen flooding had obviously travelled further than first thought so more needs to be cut out to see and State insurance who we never claim anything for, call it slow damage so they aren’t liable. The place just looks a mess with everything out of cupboards. Outside there’s mud and dirt everywhere from the bank and of course it rained yesterday.

In consolation I remind myself this could be worse. Also thinking about changing insurance companies. I simply don’t have the energy to argue about it with them.

I have to say, with the claims process and almost instant acceptance and acceptance of an increase to the claim, we have been pretty impressed with IAG under Westpac's white-labelled insurance. 

Our flooding caused damage to the Kitchen, Dining, Lounge and 2 Bedrooms. It was from overflowing (back-flowing) gutters and they have accepted it all. The only problem is, they don't start work for another 2 weeks and we made the claim in April.