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bobble
I don't think (hope!) contents insurance is as likely to get noticeably more expensive after a non-fault claim than say car insurance. The communal buildings...well, it's spendy already. As this is not the first time this has happened and it's a landlord who is profiting from the building, I'd go nuts, try to get a new bathroom out of it. I jest, but only slightly.
The chances of you getting a better job done, and of the problem stopping, are higher if you via insurance IMHO.