Need urgent advice. Insurance company and builders trying to shaft us.

[WhycantIkeepthisbloodyplantalive]

We have had to put a 2 separate house insurance claims in due to extensive water damage in two separate incidents (happened working a couple of days of each other.

First claim on downstairs toilet and small area in kitchen where it has seeped through. Second on hallway ceiling and floor under boiler (leaked through the ceiling).

We had a surveyor from the home insurance company assess damage and what needs to be done, we were then offered a settlement fee of £5000 by the Insurance company which we didn't take as we knew the repairs were likely going to cost a lot more.

The home insurance company then gave work to a building a company who sent an independent surveyor in their behalf who matched the other surveyors assessment.

We have just had the builder turn up to double check for materials and he stated what would be doing.

Both independent surveyors assessed that the following needed to be done:

*floor under boiler replacing as is likely to crumble due to its material.
*ceiling cut out and replaced.
*Kitchen, downstairs hallway, ceiling, upstairs hallway including stairs all to be painted due to needing to colour match.
*All drywall removed and replaced and painted in downstairs toilet and floor replaced.

What builder just told me they are going to be doing:

*not replacing floor under boiler.
*paint only the ceiling and patch the other areas with magnolia where water damaged( not same paint as already there)
*sand walls in downstairs toilet, seal with mould paint, repaint existing walls and replace flooring with linoleum (originally engineered wood and underlay).
*cutting out and replacing hallway ceiling (where damaged), which is at risk of boiler falling through.

The work is due to start at 9am tomorrow! None of the insurance companies lines are open until 9am. I have phoned the building company (owner) and said I could do the same work that the builders are doing in my toilet for £300 and that we were offered £1500 as a settlement. I also said I could pay a plasterer £700 to do the work in hallway and have gained £4000 in cash from the home insurance company. I am waiting for a call back from him after checks the surveyors report.

My AIBU is, Can I tell the builder not to come tomorrow? Is it too late to accept the settlement fee now hey have given the work out to this company?
-The builders have come from the midlands and are staying in a hotel nearby whilst doing the work

(I have also posted this in legal).

Be clear with the insurance company that the builders are not planning to do the work specified by their surveyor. They instead intend to do a cut price job that will fail to replace areas both surveyors said need replacing and will leave you with patches of paint that are a different colour from the rest of the paintwork and will replace expensive flooring with lino. Tell them that, unless they carry out the work both surveyors have said needs doing, you will lodge an official complaint for their failure to honour your policy and, if necessary, you will take it to the insurance ombudsman. I would also be clear that, since the builders they have appointed appear to be cowboys who won't do the work the surveyor they appointed says is needed, you will not allow them to carry out any work on your property. You expect them to appoint a firm who will do all the required work properly.