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In terms of negotiating etc., you can seek to agree anything with the water company that you can both live with and be willing to accept.
In terms of the legal position, if you had to go to court, then if the water company is at fault here (which sounds like it given their offer!) then the Court would order the full value of the cost to restore the floor to its previous condition.
It might be that you would receive a windfall by a complete replacement, but you recognise that are are being fair and sensible about it.
The Court will do the best it can to ensure you dont get that windfall and that the water company doesn't get away with not rectifying the damage done to reinstate the floor to its previous condition.
Realistically, the best way to work out what is the best job that can be done/expected to be done is to get a loss adjuster to come in and have a look, or perhaps get quotes from flooring specialists to advise what is the best approach to be adopted.
I have provided photographs demonstrating the damage. Loss adjusters appear to accept that what is being done is reasonable but seek to ensure their client gets the best deal and are determined to deduct for wear and tear.
Yes, it's a negotiating process really, but like I said, if you did go to court the court is likely to take into account wear and tear too if the quote is based on complete rectification with a new floor. This is because you would have the other unaffected parts of the floor changed too.
But it's always a question of fact and degree, it's not possible to say 30% deduction is fair or unfair.
The court will obviously want to stop either the insurer being penalised or you receiving a windfall.
It looks like it's a matter of negotiation then.
In all honesty, it is! And this is what the court recognises too.
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