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Thanks for your replies. The key is that water shoudn't get in regardless of wether there is felt there or not. I think the insurance company will pay for the damage caused by the leak, but not the leak itself, unless when I get up there I can see broken toile etc, which I might be able to...

Hi, Apologies if this sounds a basic question... Whilst laying new insulation in my loft, I noticed one of the loft floor boards is very damp and is starting to flake away badly, thus will need replacing. Now I've removed the insulation when it rains you can hear rain dripping onto the...