Glad part of Jude's problems are being sorted. As far as insurance goes, it may depend on the insurance company although the precedent set by Saga(?) may help.

A couple in Cornwall were recently caught in a similar trap when the cob wall of their house collapsed. The insurance company (the "Pru"), said that it had been caused by frost damage and "Home insurance policies generally do not provide cover for damage caused by property age or maintenance-related issues." Here's a link to the story. Link
Thankfully one set of neighbours are letting the 88-year olds stay with them and another is funding the £30k bill for repairs while they challenge the Pru's decision.

Still, a company has to make a profit: how can they do that if they pay out for claims??!!!!