I think things are a bit different now with home insurance and that they try to get out of paying more. I've put in a claim but I'm not hopeful really because they wont pay out for damage that occurs over time. I've gone through the policy.25+ years ago we had an undetected bathroom leak. When it eventually became obvious we claimed and our insurers paid out.
You can't know the insurance position until you've spoken to them. It's impossible to know what's happening under the floor until you have reason to look which is what you have done.
This is why people have insurance.