I have had building and contents cover refused by most insurers for the past two years as I had a 15,000 claim for water damage caused by the flat above us in 2002. The guy in the flat above put the plug in the sink, turned on the tap and fell down dead. We were on holiday and the water flowed until he was found eight hours later. Insurers tell me that they refuse anyone who has had a claim over5K in the past five years. Derek.