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Thank you! I THINK it was due to a blocked down pipe, full of leaves, but it seems a bit of a harsh reaction to have a wet carpet because of that. I'm guessing insurance wouldn't touch that because they'll just say I should have made sure the leaves were cleared. Would a leaf blockage have...

Just went to move some stuff from a corner of the dining room to find the carpet, and the stuff on it, sodden. The wall is damp too. There are old mould marks from a previous problem (blocked downpipe) but I thought that had been rectified. Too big a job for me but anyone any ideas who I...