Who is to blame?

I had a claim in 2014 at ABSA insurance ckaim no 2680994 for damages to my carpets due to a burst fishtank. John Dore Flooring was appointed as the contractor. They came out to assest the damage and to do measurements.They then adviced us that the wood underneath the carpets was wet,and it would be better to fit tikes if we would agree. They then went on and got approval from ABSA. They informed us that ABSA approved the fitment of tiles,and that we could go and pick a tile from CTM but it has to be for R79 a square meter and not more. We picked the tiles and John Dore flooring went to collect the tiles from CTM vereeniging. Never did anybody tell us that actually ABSA approved for carpets. We started having problems with the tiles,the grout all started coming out,so we replaced the grout that was out.Now the tiles is starting to lift everywhere and its not only the grout anymore. I locked a claim with ABSA again no 3961119. The assessor came out and also mentioned that the tiles sound hollow. After about 3 werks of waiting and phoning ABSA they informed me that they never approved the fitting of the tiles in 2014....Now my question is....How was I ti know they never approved the tiles,when John Dore flooring said it was,and they were paid for the job. How is going to fix my tiles now???????