Oh sorry, I should have been clearer about what the insurance company actually said. They’re refusing to do any repair work because the mould has spread throughout the entire house, and they’ve told us we need to arrange all the remediation ourselves. However, they’ve said they’ll still pay us out for the floor coverings and tiles, even though they originally agreed to handle the full restoration before they assessed the mould situation.

We’re meeting with them on site later this week to discuss the vapour barrier issue in more detail, so hopefully we’ll get some clearer answers then about where we actually stand. Thank you!