So we noticed some rising damp in the downstairs hallway in the middle of the house. We called a plumber who suggested it was a leak from a pipe in the concrete floor of the hall. Thinking we might have to get the hall wall fixed and the tiled wall in the downstairs toilet I thought it might cost a tad more than our excess so decided to ring our home insurers. The situation escalated somewhat when they sent 3 fellas around one after another to look at the pipes they found after Jack hammering a hole in our hall floor. Turns out the pipes in the concrete floor should have been lagged and the concrete has eroded the pipes over time. From a wee hole in the hallway we've been told we need substantial work done as they have to track all the pipe work through the downstairs loo, whole of the downstairs hall, kitchen and dining room. Has this happened to anyone else? I have no experience of this and therefore no idea of what to ask and or negotiate with the loss adjuster or field assessor. Can anyone offer advice?