Hello, I am a solicitor with over 15 years experience. I will try to help you with this.
You have had a problem reported, investigated it and fixed it at your own expense? I can't see what you have done wrong. It is your decision whether to go through the insurers, (you I assume pay most of the premiums). If you don't report it immediately to the insurers then yo may not be able to use the insurance at all if you want to later but of you decide to do it all yourself then I can't see a legal issue for the tenant. Your tenancy agreement will probably contain provisions re repairs. Have you complied with this?
yes. | think she is concerned regarding damp which may be under ground. This surely will not cause a health and safety problem
Yes. I feel she is concerned regarding damp under ground regarding a health and safety hazard
Have you dealt with the damp?