before covid--i discovered my house had a problem with the ground floor--the laminate flooring was bulging and lifting--it turned out the underfloor was soaking wet. I contacted my insurers who sent in 2 surveyors: 1 to assess the extent of the damage, 2 to find the source of the water.
It turned out the ground floor shower was leaking waste water under the floor--so the whole lot had to come up and be replaced. Estimates were from £18 to 22,000. As soon as the insurance company got the quotes--they approved the lowest ( From my neighbour, a builder )...and settled the claim in full---STRAIGHT AWAY ! At no point was any inspection carried out--either during the work--or afterwards. My new engineered oak floor looks very nice.