URGENT HELP NEEDED - INSURANCE

[singlemumto4]

I am a mum of four and single. There was a massive leak in my flat today. Carpets got flooded, so had my friend take it all off. Underneath the carpet, there is chipboard. I dried it, but it does look bad and probably needs replacing. My home owner’s insurance say they do not cover chipboard (they will replace the carpet), and my apartment management company says chipboard (or anything underneath the carpet) is not covered. What do I do now? any help, please!??

Buy some chip board ?

thank you. it costs a lot of money and surely insurance should cover it. should I seek legal assistance?

Chipboard flooring is, what, £6ish psqm possibly(?) How big an area will you need to replace?

it costs a lot of money and surely insurance should cover it.

You need to read your policy information. Usually it's prudent to do so before taking out a policy.

So more likely an in going leak so the board has rotted?

Speak tot he carpet people - they may thrown some in for free or cheaper when they lay the carpet

We had chipboard under a carpet in one of our rooms because the carpet itself was so thin you’d feel the boards underneath, and it prevented a cold draft coming up through. When we replaced it, we bought proper underlay and a thicker carpet. Is this not possible? Often carpet right etc offer free underlay with certain carpets.

I'm not clear on whether you are the homeowner or a tenant here. If you are the tenant then none of this should be your problem. If you are the owner then it all depends on how much the insurance pay out as to what you can get replaced. Quite possibly what they pay out won't cover full costs anyway & you may need to pay for some of it yourself. They may have their own suppliers for carpeting etc you need to use. I agree with the PP that the chipboard may not be necessary with adequate carpeting & underlay.

I guess OP no longer needs urgent help.

I'd assumed OP's talking about the subfloor itself.

I don't think that would be chipboard. Not if they valued not falling through the floor

It's a completely normal subfloor. Not the only choice or the best, but not rare, surely.