The pipe under my toilet has collapsed and all the water has been flushing under the floorboards without me knowing until the wall started to make cracking noises. (It's a bungalow). Having looked under the manhole there is nothing going down from the rainwater gulley either so I think everything has collapsed outside as well. Who is the best person to call plumber or drainage or both? I don't want to involve the insurance as they may say it's wear and tear and cancel my policy. Thanks for any suggestions.