Slate and tile roof services in Marlborough, Wiltshire

Pocock developments has been trading in and around Berkshire and the home counties for some 30 years with great references. its a family run business with myself and my wife Kerry. We Produce fixed price quotations. we are Elecsa certified.

we are a proud professional family run business with over 100 years combined experience team members we take on all exterior property work all work comes with our standard company guarantee SAFE CHOICE ROOFING ITS YOUR CHOICE TO CHOOSE THE SAFE WAY

We’re a fast growing Roofing and Gutter company based in Oxford, South East England. We are committed to providing a professional and efficient service at all time whilst maintaining the highest standards of work. Our extensive experience in the industry make us the go to company for roofing and gutters work throughout Oxfordshire, Buckinghamshire, and surrounding areas. With a vast array of expertise and experience, our workforce specialise in a variety of roofing services, from small repairs to a full re-roofing. Our roofing services are suitable for both residential and commercial properties. All our roofing services are fully insured during the duration of the work carried out by our team and covered by our 10 year guarantee once completed. We also offer other specialised services including: Guttering and Fascia protection, Tiling, Roof system protection, Roof re-pointing plus more. Praised for exceptional professionalism and services, the company is known for delivering the highest quality of work, and with over 20 years of in-field experience, you can trust Premier Roofing & Gutters and its team of experts with all types of roofing, gutters & fascias and driveways projects you might have. With Premier Roofing & Gutters as your business partner, you can expect only the highest level of craft and customer service. Most of our trade comes from our past clients recommendations. Our pricing is very competitive, and every single client is important to us.

Welcome to C&R Solutions, your premier destination for top-quality landscaping and building services. We take pride in being your trusted partner in safeguarding and enhancing your home. With a rich history of excellence, our company has evolved into a symbol of quality, reliability, and expertise in the landscaping and building industry. We’ve built a legacy based on unwavering commitment to our customers, a passion for perfection, and an unyielding dedication to superior craftsmanship.

Apex is a maintenance service company, specialising in Plumbing, Heating and General Building. Our experienced team offer a host of skills, covering many different sectors to allow us to be your one-stop shop. So whether you're a domestic customer with a plumbing and heating issue, or, a domestic client requiring general property solutions, we can tailor your needs under one roof. Our team is fully insured and with over 30 years of experience, we're the go-to company for plumbing and heating, with a quick-to-action call-out priority covering Oxfordshire, Bucks and Berkshire.

www.kbaconstruction.online MAKE YOUR HOUSE INTO A HOME TODAY WITH KBA CONSTRUCTION'S We are a building company with many years combined experience. working as Builder in London (UK), we help to make your house a home or property investment you can rely on.

My name is Ben Gibbs. I started Ben Gibbs Roofing Excellence 3 years ago after 17 years in the Roofing profession. I have worked for most of the top developers across the southwest including C G Fry & Son, McCarthy & Stone and Bovis. Works we carry out are, New builds. Roof replacements. Roof repairs. Flat roofing services. Velux window instalments. Timber repairs. Moss scrapping. Chimney removal. Cedar and felt shingles. Guttering and downpipes. Cereal weatherboard cladding. We offer a professional service from start to finish with all jobs completed to a high standard leaving all our customers completely satisfied.

Property Solutions Ltd Every Roofing Solution At Property Solutions Ltd, we are dedicated to delivering superior roofing solutions. With our wealth of experience, we have become the go-to roofing company for both residential and commercial clients. Our team of skilled professionals takes pride in their craftsmanship, ensuring that every project is completed with precision and attention to detail. From minor repairs to complete roof installations, we use only the highest quality materials to guarantee long-lasting results. Customer satisfaction is at the heart of our business. We strive to provide excellent service, transparent communication, and fair pricing, building strong and trusting relationships with our clients. When you choose Property Solutions Ltd, you can rest assured that your property is in safe hands. Let us protect your investment with reliable and top-notch roofing solutions. Contact us today for all your roofing needs!

Concept solutions Swindon Take the pain out of your claim. We will manage your claim from start to finish. We quote for your insurance claim, project manage your repair, using skilled professionals to complete the job in the end. All with no charge to you -the policy holder.v

A-S-Taylor established in 1994. specializing in drylining,plastering,demolition and alterations. we are a family run company with many years experience in all aspects of building works.profile picture and photos will be uploaded shortly.

I have been a professional roofer for 38 years started on schools then worked my way on to ministry of defence. Now I just enjoy doing domestic and commercial roofs.

C.E Property Services and Locksmiths Ltd Reliable Security for Homes, Landlords, and Businesses. C.E Property Services and Locksmiths Ltd is a trusted, independent company providing professional locksmith and property security services for domestic and commercial clients. We offer a 24/7 emergency call-out service, ensuring fast, reliable assistance whenever it’s needed. We are fully qualified and vetted by the UKLA, giving our customers complete confidence in the standard, safety, and integrity of our work. What sets us apart is our honest, no-nonsense approach — no unnecessary upselling, clear advice, and high-quality workmanship on every job. We specialise in non-destructive entry wherever possible, lock repairs, replacements, and security upgrades for uPVC, composite, timber, and aluminium doors, as well as windows and garages. We also provide reliable contract services for landlords, letting agents, commercial clients, and businesses, offering fast response times, clear communication, and consistent standards. Covering Surrey, London, Oxford, Reading, Guildford, and surrounding areas, we’ve built our reputation on turning up when promised, fixing problems properly, and treating every property with care and respect.

Rushmore Roofing is a local independent roofing company with over 33 years of experience. We are a family business that takes pride in our workmanship. We specialise in roofing and have hundreds of satisfied customers across the south-east who have requested our services, from replacing a broken tile to installing a roof window or complete re-roofing. We provide our services at an affordable price without cutting corners, using only the very best tools and equipment. Please note that we do not employ any sub contractors nor any bodies claiming to be sister companies and it will only ever be myself that comes to quote your job. We pride ourselves on a first class workmanship and do not settle for second best. We offer 24/7 aftercare so you do not have to worry! Please get in touch today! We also offer 24hr Emergency service

Shane’s home improvements has firmly built it’s reputation on perfection with outstanding customer service, reliability and attention to detail. We provide a dedicated, personalised service, providing solutions to maximise your outdoor space. We strongly believe that a job is not worth doing unless it is done right. Shane’s home improvements has extensive expertise in providing a number of services, including design and construction of Patios, Walling, cedar & softwood Fencing, Millboard & timber decking, contemporary garden buildings, stainless steel and glass balustrades & balconies, block Paved, natural stone and resin bound driveways and Paths and installation of Artificial Grass/AstroTurf and much more. Drawing from our 13 years of experience, we offer a whole world of garden design ideas, which are excellently installed to suit different garden types, shapes and sizes, and fully meet your personal requirements. From modern designs to more traditional styles, we ensure you’re delighted with the end result. We Provide bespoke landscaping services for private and commercial clients Renowned for our quality installations and workmanship combined with high-quality materials such as natural stone paving, vitrified paving, porcelain paving, stainless steel, glass, cedar and Millboard decking. Shanes home improvements are a landscape design and home improvement services company you can trust

UTB CONSTRUCTION was established in 2013 and is general contractor offering construction services in terms of full and part renovations houses, extensions, lofts conversion , first fix Carpentry, second fix Carpentry , bathroom fittings, kitchens fittings new built houses and summer homes,Drylining , plastering & Rendering, Decorating, specialist with driveways resin bond, polished concrete, paterne imprinted concrete,tarmac, and block paving.

Premier Roofing, Repairs & Maintenance offers a complete range roofing solutions to suit all; -Gutter cleans and repairs -Roof moss removal -New roof installations -Roof repairs and maintenance -Flat roof installations and repairs -Slate and tile roof installations and repairs -Chimney repairs and repointing -Gutter repairs and installations -Soffits and fascia installations -Valley installation and repair Why choose us? -Competitive pricing -Fully insured -High standards and quality materials -Free no obligation quotes -No payments upfront - Quality workmanship

At A-List roofing, we are a dedicated family-run roofing business proudly serving Berkshire, Surrey, and South East London. With years of experience in the industry, we specialize in all aspects of roofing, from installations and repairs to maintenance and inspections. Our commitment to punctuality and quality is at the heart of everything we do, ensuring that our customers receive not only exceptional workmanship but also reliable service. We understand the importance of protecting your home, which is why we use only the highest quality materials and techniques to deliver durable and aesthetically pleasing roofs. Trust us to safeguard your property with professionalism and care. Your satisfaction is our priority, and we look forward to building lasting relationships within our community.

reconstruct-it specialises in the following: - Insurance repair work - Emergency work - Kitchens and bathrooms We also offer Disaster Restoration services including: - Leak detection and emergency plumbing - Flood and water damage - Fire and smoke damage - Deep cleaning & disinfection services including bed bugs - Graffiti and vandalism restoration - Mould removal and inspection We serve both the commercial and residential markets. Insurance Claims We also specialise in managing insurance claims through our sister company Settld Ltd, and can advise if your job is potentially an insurable event. If it is, we can talk to your insurer and manage the claim on your behalf. Because we understand insurers we can get you a better settlement than if you tackle the insurer yourself. Our service is free if we are appointed to complete the repair works. We will take all the hassle away by: - Checking if your claim is valid; - Surveying the damage; - Creating repair schedules in line with insurance practice; - Negotiating with your insurer and their representatives; and - Managing the contractors and quality of reinstatement works. We carry the following credentials: - British Damage Management Association - Membership Chartered Institute of Building - FCA compliant, where loss assessing through our sister company Settld Ltd. (Settld Ltd is an Appointed Representative of Concept Building Solutions UK Ltd t/a Concept Claim Solutions which is authorised and regulated by the Financial Conduct Authority). Photograph used is for illustrative purposes only

Top Tier is a small family run business with years of experience in all aspects of roofing and property maintenance with a passion for perfection on all jobs, no matter how big or small.

started business as parternership in 2007, we grown our portfolio from 2 houses to 86 units today, we also helped over 100 homeowners and 25 landlords including housing association, we help from a full consultancy package to build yur dreams to even help with leasing to our corporate contacts if you wish to invest. featured on HOMES UNDER THE HAMMER, we pride our selves in job well done, we always make sure we start projects within 2 to 3 weeks from time we agree and we always deliver our projects on time; we make the impossible a luxury and affordable possible while we take all the stress away; BGH combines technical expertise with exceptional customer service, ensuring every client benefits from cutting-edge technologies tailored to their home needs. with industry leading certifications and proven track record, BGH is a top choice for those seeking efficient, reliable and successful renovations We ate fully accredited Offer full guarantees and insurances including insurance backed guarantee and deposit guarantee We are specialist in new build, extensions, heavy refurbs, hmo and luxury conversions

RFPM – RELIABLE & PROFESSIONAL ROOFERS IN SWINDON, CHIPPENHAM, DEVIZES. We are a well-established, family-run team of local Roofers who provide professional roofing services across Swindon, Chippenham & Devizes Our focus is ensuring every customer is 100% satisfied with the work we provide. We find that the majority of our new customers have been referred to us by our previously satisfied customers. Our services include: - Roof Installations - Roof Cleaning - Chinmeys - Roof Repairs - Gutter, fascias and soffits - Skylights & dormer Why Choose RFPM Roofing? 1. 24/7 Emergency Call-outs - We are the roofing team on hand to help when you need us most. 2. Professional & experienced roofing team - We are Google guaranteed, provide 15 year warranties on all new roofs and have over 40+ Years experience in the roofing trade. 3. Fully insured - You have peace of mind knowing that all our work is fully insured. 4. Guaranteed same day response - We will always respond to enquiries and pride ourselves on our reliability. 5. Competitive quotations - We always recommend you get quotes before getting your roof repaired or installed. We are confident that we will be able to match or beat any quote you already have! 6. Free estimates - We can give you a free roof survey to highlight any potential issues and we always provdie free no obligation quotes for any work required.

J S Roofing are a local company with exceptional standards & fully qualified. With over 22 years experience we can provide an excellent service whilst listening to individual customer needs & ensuring customer satisfaction. Please take a look at reviews.

“I am a versatile handyman with expertise in a wide range of home repairs, maintenance tasks, and gardening services. From fencing repairs, build,patio and paving to carpentry and painting, I bring a strong attention to detail and craftsmanship to every project. With my 5 years experience on private jobs,and all the customers been very happy about my services, i am pleased to introduce my self with confidence and enthusiasm! Additionally, I have experience in gardening, including landscaping, plant care, and garden maintenance. I am committed to delivering high-quality work that ensures both your home and outdoor spaces look their best.” I am new on this site,app, and I don’t have any reviews yet, but definitely they will come!

With our team of highly skilled professionals, we pride ourselves in our unmatched workmanship whilst only using the highest quality materials allowing us to offer extended guarantees. Whether you need a roof repair, a new roof installation, slate roof or a flat roof replacement, we have got you covered. So, if you are searching for a reliable "roofer near me," look no further than Direct roof care, Contact us today to discuss your roofing needs and let our experts provide you with the best solutions.

We aim provide excellent customer service and workmanship. We cover all aspects of roofing work; de-mossing, roofs leaking, re-roofing pitched or flat roofs, fascia and soffit. CSH Roofing are your trusted contractors for all aspects of roof work. We aim provide value for money with a excellent customer service and workmanship. At CSH Roofing we cover all aspects of roofing work; de-mossing, roofs leaking, re-roofing pitched or flat roofs, fascia and soffit. Inc all works in between. We look forward to hearing from you and assisting in any questions or queries you may have.

We pride ourselves with providing a local friendly service. With over 20 years experience in construction covering all aspects We are fully insured , qualified and cover all aspects of carpentry and construction Within our community. Get in contact today for a free estimate, Alternatively. Find us on instagram.

Builder and maintenance contractor with over 30years experience in general building and roof, chimney repairs, leaking roofs and general repairs , any building works considered, we have repaired buildings of all ages and built walls Ect, any maintenance issues fixed and all work insured and guaranteed, also a roof washing system where we was repoint and seal with a waterproof coating, Loft insulation and damp proofing

For all of your roofing needs, we cover everything at a very reasonable price. Call today for a free quotation. For quality and peace of mind give us a call, we endeavour to keep everything to the highest standards at a very competitive price. ENJ ROOFING

MC Roofing & Landscapes is a premier Bristol-based company dedicated to providing exceptional roofing and property maintenance services. With a focus on excellence and customer satisfaction, we serve Bristol and its surrounding areas, offering comprehensive solutions for all roofing needs. Our team specializes in a wide range of landscaping services, including but not limited to: Garden design and installation Lawn care and maintenance Tree and shrubbery planting Patio and pathway construction Fencing and decking installation Water feature design and installation Garden lighting solutions In addition to our landscaping expertise, we are committed to ensuring the longevity and beauty of your property through our comprehensive property maintenance services. From routine lawn mowing to seasonal cleanups, we handle all aspects of property upkeep with professionalism and care. At MC Roofing & Landscapes, we take pride in our attention to detail, craftsmanship, and commitment to customer satisfaction. Whether you're looking to transform your outdoor space into a tranquil oasis or simply need reliable property maintenance services, you can trust us to deliver outstanding results tailored to your needs. Contact us today to discover how MC Roofing & Landscapes can bring your landscaping vision to life and keep your property looking its best year-round.

Here at JBL PROPERTY MAINTENANCE AND RENOVATION LTD/ We offer a range of services from interior to exterior of your property. It's a new company established 2023 but all out tradesmen and women have numerous years of experience and have to complete a test of jobs to see if they are competent and reliable before we hire any persons. We have a high standards for any work carried out by our company and give warrenty on all our work. We also value our customers and their loyalty with a membership scheme which gives you 10% on all work carried out. Builder Brick and block work Render/ plaster Flooring/ all types of flooring Painting and decorating Window and door installation Kitchen installation Bathroom installation Extentions and out houses or offices Fencing Driveway and patio Turf and artificial grass Landscaping Roofing Guttering/facia/soffit Garage conversion Loft conversion Inside and out side complete renovation

John McKinney Builders have been building on over 50 years of experience, established in 1970. We carry out extensions, loft conversions, refurbishments, garage builds & conversions , kitchen fitting , heating etc. From planning to completion. Our quality of workmanship & finish is second to none, no snagging needed or call back. WE SPECIALISE IN THE INSTALLATION OF RSJ,s

Hi at jays property maintenance we run a family run business that are specialists in flat roofing new roofs Chimley rebuilds lead work and all aspects of property maintenance.with a 5 million public liability insurance.

As resin bound specialists in the South West for decades, we firmly believe that a resin bound driveway is currently the most cost-effective way of creating a driveway that is low maintenance, long lasting and has minimal environmental impact

Chameleon Refurbs have over 25 years experience in all types of Building Refurbishments so choose Chameleon Refurbs with confidence

We are a family run business specializing in various types of gardening/landscaping/tree/property maintenance services/roofing, lawn care, garden designing, pressure washing, patios, driveways and much more. Please contact us for more in depth information and advice or for a no obligation quotation.

Here at TJ Hughes landscaping and property maintenance we specialise in transforming your dream garden and house into reality With our new technology we can show you visuals of what your garden can look like right before it’s even been started.. We cover a huge area from Norfolk to London and everywhere in between We provide quality landscaping, from fresh lawns, fencing, decking and patios to full garden redesigns. TJ Hughes are highly dedicated to the landscaping trade, all members here at TJ Hughes ensure that our workmanship is to the highest of qualities. We have also ventured out as a team to property development, things like painting and repairs plastering and brick work Why choose us when there’s many companies out there? Well here at TJ Hughes we are a team built from highly experienced and skilled tradesmen that are trained to work safely and confidently within any work environment. Attention to detail and to have pride within the work throughout ensuring its completed on time to your exceptions and budget. Services TJ Hughes can guarantee : Friendly service Fully insured work Experienced and fully trained team Personal landscape designs Before and aftercare advice Free estimate Fast response Top quality Clean and tidy Don't stop and hesitate, give us an email or ring to book a date for your free estimate

My Name is tom, I’ve been in the Roofing trade for many years, learning my trade and building my reputation as a skilful, punctual, Roofing contractor. We are a perfect choice for local roofing projects. We work on everything from the smallest leak to an entire re-roof on both residential and commercial properties. We are competitive with our prices and maintain high-quality workmanship throughout every contract. So if you would like a project undertaken or you have a small leak, please get in touch myself and my team would be more than happy to help with any project All work carried out by my company is guaranteed, • a guarantee certificate will be provided ?on completion of works. Best wishes Tom, Baileys roofing ?

Here At Redwood Roofing and Building Ltd, we are a family-run business built on a foundation of trust, craftsmanship, and dedication to excellence. Led by Managing Director Mr. Patrick O’Brien, our company has earned a strong reputation for delivering reliable, high-quality roofing and building services across the region. We believe that our next job is only as good as our last, which is why we treat every project—no matter how big or small—with the same level of care, attention, and professionalism. From the very first consultation through to project completion, we work closely with our customers to ensure that every detail is handled with precision and pride. Our team is made up of skilled, fully qualified tradesmen who share our commitment to quality workmanship and exceptional customer service. We take pride in the standards we uphold and the results we achieve. Every roof we repair, replace, or construct is built to last—because we understand that your home is one of your most important investments. We only use the finest materials available on the market, ensuring durability, weather resistance, and long-term performance. Whether it’s a new roof installation, flat roofing, roof repairs, fascia and soffit replacement, or general building work, we never cut corners. Our goal is to provide a service that not only meets but exceeds expectations—leaving every customer completely satisfied. Reliability and honesty are at the heart of everything we do. We arrive on time, keep our promises, and maintain transparent communication throughout every stage of the job. Our customers appreciate our straightforward approach, professional attitude, and dedication to doing things the right way. At Redwood Roofing and Building Ltd, we don’t just build and repair roofs—we build lasting relationships based on integrity, workmanship, and trust. We take immense pride in the reputation we’ve earned as a dependable local business that always goes the extra mile for our clients. If you’re looking for a trusted, family-run company that combines traditional values with modern expertise, look no further than Redwood Roofing and Building Ltd. We would be delighted to discuss your project and provide a free, no-obligation quotation. Redwood Roofing and Building Ltd – Quality, Integrity, Reliability.

We are a fast growing Driveway patio and roofing company based in oxfordshire. We are committed to providing a professional and efficient service at all times whilst maintaning the highest standards of our work. Our extensive experience in the industry make us the go to company for driveways patios landscaping gardening and roofing work throughout oxfordshire and the surrounding areas.

With Offices In Bournemouth Dorset and Berkshire Homecrest Solutions are the first choice for professional roofing and refurbishment services across the South-West We operate throughout Hampshire and Dorset surrounding areas. We come with over 25 years of extensive expertise and offer a range of comprehensive quality roofing and refurbishment services that include all aspects of property maintenance; from a roof repair through to new roof replacements. We also cover associated services including chimney repair/re-builds, and guttering. Emergency and remedial roofing services for leaks and storm damage, together with expert renovation and replacement of pitched and flat roofs on almost any type of refurbishment. We offer a competitive price and our work is of the highest standard, no job is too small or too big; from fixing leaks, installing a brand new roof, or replacing gutters, we’re sure that we can cover your roofing or refurbishment needs. • Roofing Repairs • New Roof Installation • Gutter, Fascia Repair/Replacement • Renovations • Chimneys

Welcome to Property Renovation and Decorating Services: " PROFESSIONAL SERVICE " We are professionals builders with over 17 years experience on all building works: extension loft conversion refurbishment bathrooms kitchens painting and decorating plastering, wood flooring, carpet fitting, tiling. building works undertaken: General Building, New Builds, full Interior & Exterior, renovations and much more. Emy has been providing professional home renovation services for over 17 years. He is praised by the customers for his attention to detail, responsiveness, timeliness and quality work. Call (text) for a free consultation and estimate:

At Jsk Roofing we specialise in all aspects of roofing from a single slate to a full roof, Fascia, soffits, guttering. No job to small. Local friendly and reliable, Honest Tradesman with no hidden charges. Available 7 days a week no

Here a N.H roofing We're an experienced roofing company, and undertake all types of roofing work including slate roofs, tile roofs and flats roofs

Building Legacies, One Roof at a Time Welcome to Specialized Roofing and Building Services, where expertise meets tradition! With over 10 years of experience passed down through two generations, we take pride in offering top-notch roofing and building solutions tailored to your needs. About Us: Specialized Roofing and Building Services is a family-owned business with deep-rooted expertise in roofing and building. What sets us apart is our commitment to quality craftsmanship and customer satisfaction. Our knowledge has been honed over generations, ensuring that each project we undertake is completed to the highest standards. Our Services: Roofing: From repairs to complete installations, we specialize in all aspects of roofing. Whether it's asphalt shingles, metal roofing, or flat roofs, we've got you covered. Building: Need to expand or renovate? Our building services encompass everything from small-scale renovations to large construction projects. We handle it all with precision and care. Repairs and Maintenance: Don't let small issues turn into big problems. We offer prompt and reliable repair and maintenance services to keep your property in top condition. Why Choose Us? Experience: With a heritage of craftsmanship spanning two generations, we bring unparalleled expertise to every project. Quality: We use only the finest materials and techniques to ensure long-lasting results that exceed your expectations. Customer-Centric Approach: Your satisfaction is our priority. We work closely with you to understand your needs and deliver personalized solutions. Reliability: Count on us for on-time completion and transparent communication throughout the process. Warranty: We stand behind our workmanship with a solid warranty, giving you peace of mind long after the project is complete. Get in Touch: Ready to elevate your property with our roofing and building services? Contact us today to schedule a consultation. Let us show you why Specialized Roofing and Building Services is the trusted choice for generations. Build with Tradition. Build with Excellence. Build with Us. Specialized Roofing and Building Services.

At Revilo Roofing, we bring over 12 years of hands-on roofing experience to homeowners across the area, delivering reliable workmanship and a service you can trust. From minor repairs to complete roof replacements, we pride ourselves on offering clear communication, honest advice, and high-quality results that stand the test of time. We specialise in all aspects of roofing, including pitched and flat roofs, slate and tile work, leak detection, chimney and leadwork, guttering, fascias, soffits, and emergency repairs. We also provide expert Velux window repairs, maintenance, replacements, and full installations, ensuring your home stays bright, ventilated, and weatherproof. Backed by professional training and industry-recognised qualifications, we complete every project safely and to the highest standard. With a strong focus on detail and customer satisfaction, Revilo Roofing is committed to protecting your home with durable, long-lasting solutions. If you’re looking for experienced, dependable roofers who deliver quality at a fair price, we’re here to help, one roof at a time.

Wallace Roofing Ltd — Reliable, high-quality roofing services you can count on. Specialising in roof repairs, replacements, and new installations. Fully insured, dependable workmanship, and customer satisfaction guaranteed.

Rankins Roofing & Building are a family established business with over 30 years in the building/roofing industry. We pride ourself on customer satisfaction. All of our engineers are competent and qualified technicians. We offer free no obligations quotes, all works come with guarantees & we are fully insured.