In October the river close to our house burst it's banks and our street was waist high with water. We live in a single storey cottage and the water came into the house to a level of about 25 cms. The insurance company have agreed with the builders that we need to have the floors taken up dried out and replaced and that the plaster needs to come off the walls to a height of 1 meter.
The insurance co want the kitchen cupboards removed, the walls behind them dried and replastered and the old kitchen put back. They also want the same with the bath and shower. At one point sewage from the flooded pipes came up into our bath, shower and toilet.
The river water that came into the house was contaminated with amongst other thing e-coli. In the bedrooms where we had sodden carpets the smell from the bacteria was literally sickening. The whole house has been fermenting this bacteria for the last 8 weeks, the smell is awful and everything is covered in mould.
I really don't feel happy about reinstating to old kitchen, putting food, etc back in those cupboards. Likewise I am not happy with the idea of bathing my dc in that bath.
We have a new for old insurance policy that we have paid dearly for over the years. AIBU to expect a new kitchen and bath from the insurance co?
Thanks for any advice, I am a novice at this and suspect the loss adjuster, who has been reasonable up to this point may not be so nice once I start arguing with him.