Originally Posted by Often1

You will need to carefully read the terms of the Amex policy, but I'm not sure that it covers the cost of a flat. If it does, that is where I would go.

Enterprise will fight you tooth and nail and will either reimburse you what it would have paid one of its contractors (which I can assure you will be a small fraction of what you paid) or nothing at all. If Amex doesn't cover the flat, you will nonetheless have to try Enterprise.