I recently had the occasion to make a claim for my aged parents. They have a fully-enclosed outdoor swimming pool where parts of the enclosure are a high-strength flexible mesh. The mesh on the doors and walls was sagging so they asked the original supplier to quote to tidy it up. When the salesperson arrived he asked them when the roof had received its hail damage. Mum and Dad’s property had been hit by hail in 2014 but their sight is not what it used to be so they had not noticed the damage to the roof of the enclosure.
Mum and Dad are insured with Chubb home and contents insurance. I contacted them and let them know about the claim and sent some photos and a quote to repair the roof. Chubb contacted the supplier to check it was hail damage and then sent the full amount (minus excess of course) direct to Mum and Dad’s bank account. Considering that is getting on for two years ago and they had never been notified I believe that is an excellent response by Chubb.