I’m renovating a kitchen, together with small hallway and a cloak room toilet. I hired a company to do all the work although I now realise I don’t have a formal contract with them, only with their sister company for supply and installation of kitchen units.
Long story short I woke up today and heard a slushing noise, went to investigate and found water bursting out from main valve located in the house. I run out to the water meter on main street and locked the water there.
I was quick enough to stop water coming into my living room which was not being worked on and contained the water to renovation area. That area is covered by a thin layer of fresh (fdried) concrete.
Me and the wife removed the water. I’m slightly concerned because main water pipe and drain which both served the old kitchen sink, needed to be uncovered from the concrete in the floor. This created a 150mm deep hole in the concrete. When water leaked there would be a puddle, but within minute the water would sink into the ground. I’m not sure how and how much water sinked in there.
I’m pretty sure at least 30cm of wood floor (engineered wood, glued to concrete) in my living room needs to be replaced, the water never raised over the floor but it reached the entrance and stood there for a couple of minutes before I’ve made a makeshift barrier.
My question is, I’m waiting for the contractor to show up for todays work. Should I work with them and ask for fixing the damage or should I contact my house insurer immediately? The reason I'm asking is because I don't know what the extent of the damage could be and I don't know if I can trust contractor on this matter.