house insurance advice - snagging issues - cash v works

Apollo22

My home is being refurbished due to flooding.

There are a number of snagging issues:

1. Poor paintwork at edges

2. under stair cupboard plastering poor

3. Driveways needs cleaning etc

4. Shower tray bubbling, toilet poorly fixed

5. Scratched sink in kitchen

6. Worktop damage in the kitchen 

They have offered a cash settlement for the paintwork and plastering etc.

I have suggested that I want the shower tray and toilet fixed but I am considering getting the money for the paintwork and plastering, kitchen and worktop damage. I intend to stay in that house for another 2-5 years. I realise I could paint bits of it, but DIY and I are not the best of bedfellows. 

Also in theory my kitchen and windows will need doing at some point, as the kitchen is over 15 years old and while its fine for me, I expect someone new would want to update it, not least to fit a dishwasher.

Am I better taking the cash for stuff like paintwork and plastering, kitchen etc but getting the hard stuff like toilets and shower tray fixed by them?

I am thinking this because when I sell the house, will the paintwork make a difference etc in 2-5 years time or the under stair cupboard plastering?

The bathroom needs to be done as some other plumbing. Stuff like scratched sink.

What would you advice.

DullGreyGuy

Its purely your choice, most people underestimate the cost of works and so in principle you are probably better off with cash and selling it as is and only fixing those elements that may otherwise fail. Even if they were to do the works its likely in 5 years time it won't be A1 condition anymore anyway. 

Albermarle

Also in theory my kitchen and windows will need doing at some point, as the kitchen is over 15 years old and while its fine for me, I expect someone new would want to update i

In that case leave the kitchen as it is and let the new owners update it to their liking.
If you out a new one in they might not like and want to rip it out, so you have gained no value for your outlay.

Apollo22

I think I will get the minimum done and take the cash. If I choose to stay in the house later I can always redo things