I'm hoping to get some insight as to what is appropriate repair after a toilet leak. I think the insurance company are trying to do the bare minimum to keep costs down rather than do a thorough job.
Our toilet leaked in our ensuite for about 3 days whilst we were away. Floor totally submerged with water. Ceiling underneath affected and it also went 2 floors down too (we have a 3 storey house and the ensuite is on the top floor). I pulled up the lino and the smell was horrific, everywhere covered in black mould.
We cleaned up as best we could, turned off the water and got an emergency plumber to stop the leak.
The insurance company employed a Loss Assessor who advised that the whole ensuite floor needed to be removed due to the black waste and the area underneath sanitised. This would have meant also removing and then replacing the toilet and basin. Everything was recorded as he asked for permission to do this.
The contractors only ended up removing the top layer of flooring (the thin tiles we had covered with the lino) and ran a dehumidifier for 2 weeks and are now saying this is enough.
I'm concerned that they are not following the Assessor's original recommendations and they are also ignoring our request to hear the recording.
I think the whole floor needs removing and replacing but this isn't an area I have a lot of knowledge in.
Hoping for some advice please?