Any path of making my insurance company replace my drizzly mat?

My toilet overflowed today, and the water soaked the carpet on the 2nd floor of my home, as in good health as the hardwood on the ground floor and the carpet in the underground store.

The insurance company wants to just dry the runner and replace the underpadding. I am concerned that this wont be good enough, and i'll hold mould problems later, and I am very allergic to mould. Is here any way to insist that they replace the carpet?
Answers:
Hmm, I can see your concern but a moment ago think about when you own your carpets cleaned, they get pretty showery so as long as they replace the pad you should be OK. But ask them what they will do if mold develops, will they then replace everything and pay cheque your medical bills and lost work wages?

By the way, I can't believe that one toilet overflowing got adjectives the way into the basement. That's crazy.
If adjectives else fails, foot the bill for new runner yourself


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