OK from what I searched it does not reduce the impact on my insurance so not much point I guess.. Your initial advice seems the way to goOn a practical point a view is it worth me speaking directly to the plumber to see their views on what happened a months before the leak when they came to fix that part? Not for a personal grudge, but to resolve this in a fair way, and maybe to reduce the impact on my insurance. A bit technical for me but I think the valve is above, and yes turning everything off would have prevented the leak