insurance quote question

[doug boardley]

I got asked tonight to do an insurance quote. Washing machine in a kitchen has been leaking since January (when it was fitted, so assuming it's been leaking since then). It's only become apparent as some floor tiles have cracked due to substrate (T and G floorboarding overlaid with 9mm ply) soaking up water and expanding. The kitchen had an extension built on to it with a concrete substrate and was tiled throughout. Now comes the tricky bit, electric UFH laid throughout the whole area (15m2) and tiles on brick bond. By tapping the tiles I'm thinking that the water damage has probably affected possibly 3m2 of tiling.
Do I quote for taking the whole lot up, rectifying substrate, installing new UFH throughout, supplying new tiles and addy etc, or just for rectifying the water damaged area (although I'm sure getting matching tiles, repairing UFH etc will be a nightmare!)

 

[diamondtiling]

All of it Doug, if you want me to send you a similar quotation that was passed by the claim adjuster just let me know.

 

[mikethetile]

I used to do an inspection report for the insurers detailing the extant of damage and a quote for rectifying the damage

 

[White Room]

Do they have spare tiles Doug

 

[doug boardley]

Do they have spare tiles Doug

no they don't Mark, I actually supplied the tiles for them (it's a mate, so I got them at my trade price for him) about 5 years ago

 

[TT Tiling]

hey doug ,mates place renew the lot , insurance will pay and prob this time your get payed the right rate for your work , everyones a winner

 

[Saltire69]

Quote for the lot Doug because you know you won't get matching tile.

 

[White Room]

Exactly what I was thinking on the tiles

 

[chris.tiling]

I would quote for the lot but usually the insurance company will assess and say what they will cover in my experience

 

[doug boardley]

what about the price of tiles, do I just put a mid/higher quality tile price in the quote? If I remeber correctly they cost £680 five years ago