The crunching is only in the part where the floor warms first (so far). Flooding was over 18 months ago. Dehumidifier was on straight to dry out the lower floor
It can take 10 months to dry out with dehumidifier before you can tile on a flooded area and if the water got under the tiles after they were installed it will have released the bond.
Not your builders issue but you should contact your insurance company as it was obviously something that has come to light since loss adjusters report!