Hi, just had someone round to assess our insurance claim for waterdamage due to a leak. It isn't a huge claim (as we don't have a huge house 
) - he has estimated approx £550 to remove & replace floor ply and vinyl tiles in bathroom and also remove and reboard/skim/aertex kitchen ceiling and remove and replace the woodchip wall paper.
Lazyness says just get them to do it all, but we want to take the opportunity to replace the bathroom suite - so would need to time this to work with the floor replacement, and also would prefer not to aertex or woodchip the kitchen (would prefer just to paint the ceiling once skimmed) and either paint or paper the walls with something that isn't woodchip.
Anyone have experience of this - would the insurance company insist on putting it back as it was or could we ask for/suggest a different finish if the cost was the same? Or would we HAVE to go down the route of managing our selves to get things done differently? And if so how much of a pain is this?
TIA 