Thanks, mate! The guy seemed fairly sensible, and said that if his head office approves his recommendation that they pay out, a builder will ring me in the next few days. Now we just have to wait on head office, hope they actually do their job, and hope we don't get more storms before the roof is watertight again. Because if we do I reckon the ceiling will fall in rather than just sagging ominously as at present. I don't want to get up in the roof myself, both because I'm more than a little decrepit these years, and because the builder has way better safety gear. Fingers crossed!