We didn't think it would be an insurance issue when we started.

We started with just wanting to replace the worn out floor tiles with waterproof Vinyl planks so I ordered them. We discovered the water leak in the cabinet when we started prepping for the floor and it snowballed from there to here.

If I have to replace the water damaged stuff myself I am only going to be out about another $600 to $800 so it isn't going to break the bank but if I do it, it will be done my way.

I am beginning to think it won't hurt to talk the insurance guy. I have pictures of all the damage before and during the tear down.