Had an under floor leak in the kitchen. It was not easy to find the source as water travels. Removed kitchen units and repaired the leak. Replaced the kitchen units. Man from the insurance company said he assumed I would be claiming for new kitchen units, but I said "N0". The units were O.K., a bit scratched here and there from being shifted but perfectly servicable. So I just claimed for the work done and new lino for the floor. It was not a lot of money. They would not pay all of the modest, honestly stated sum as they said the house was under insured by a certain percentage so deducted this percentage from the payout. This was despite the fact that I did not claim to replace kitchen units which would be much more expensive for them.