Hi all - first time post so please bear with me! So, I have a similar scenario to the OP in that I have an escape of water claim to my kitchen via Royal Sun Alliance (RSA). They have sent their own claims handler around who was sent in response to a quotation I received from a kitchen company to repair / replace the damage, which at that time was circa £16k. He has since viewed the damage himself and advised on his perceived liability, and he duly provided me with a scope of service. This is qualm number one, as who is he to state what should / should not be replaced or repaired. My second issue is that I have now sought a further quotation from another kitchen supplier, using his scope of service and this totals just under £6k - so far reduced from the original. However, he is now trying to get this down further by removing the replacement of my granite worktops, which although aren't damaged, are physically bonded to the damaged kitchen units. Each quotation I have sought have provided for replacement worktops as they do not believe they will be able to remove the existing damaged kitchen units without damaging the granite, so I'm simply following the advice of the experts. However, RSA's claims handler is convinced that the granite can be saved without damage and is now sending out his own builder to assess this. I have a hunch he is going to say, "of course you can repair the kitchen units and not damage the granite", and thus I will have an insurance dividend which is substantively less than what is required to instigate the repairs. Of all the quotations I have sought, each kitchen company have told me categorically that there is a substantive risk of damaging the granite if the damaged kitchen units are removed in situ, so if I am forced to accept RSAs valuation of the works - or more to the point, their mates' (builder's) interpretation - then I may be significantly out of pocket. Can anyone give advice on how to play this, as I am reluctant to accept his version of the scope of works and I just know their builder (friend no doubt) will concur with his view.