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The policy wording will state how claims will be settled and can vary from the insurer simply appointing their own supplier to supply and fit the replacement through to them just giving you the cash of the lowest quote less the excess. You may have the right to ask for cash rather than use their supplier or vouchers but they almost certainly in those circumstances can reduce the cash settlement to reflect the discount they'd have received from their supplier.
The quotes you are getting now should be for an equivalent quality of carpet as the one that's been damaged and so you shouldn't just be selecting the most expensive (nor automatically the cheapest). The insurer will typically either just base settlement on the lower quote received or pass it on to their supplier who'll quote based on the information on your suppliers quote.0 -
Can you get another quote for your preferred carpet, from a different supplier?0
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