I think it's a good idea to contact your insurance company. Perhaps they could arrange for somebody to come down and inspect the problem. It might also be a good idea to contact your nearest Citizens Advice Bureau. I'm sure if the housing company received a letter from a solicitor on your behalf they would feel they had to respond to it but the CAB might have some advice for you on how to proceed without incurring any costs. Do be sure though that you keep copies of all letters you send to the housing association, and send them Recorded Delivery.