If your house suffers severe damage, and you can't get through to the insurers as they would be so busy - can you crack on and get some emergency or proper repairs done to stop the situation getting worse, and then pass them the bill, or would that invalid the insurance as you generally need 2/3 quotes and an assessor round?
Had damage last time, couldn't get through, but as it happened a local repairman fixed the issue for less than my excess so didn't need the insurer then. But not half worried about tomorrow...