Hi bagel,
I don't know what your insurance may or may not cover, but I think the main investigator is likely to be a Consulting Civil and Structural Engineer [that's one person BTW], who will assess the overall structure for signs of settlement as well as advise on what investigative and remedial measures may be required.
It is useful to have taken professional advice in such matters BEFORE contacting the insurance company [see below].
I'm not going to fill your head full of fears, but "hollow" sounds usually signifify voids on the other side and the last place you want a hollow sound is the floor.
While underground water movement can wash away fines in the soils and develop hollows, leading to settlement or subsidence, this is seldom occurring in a vacuum and usually relates to a wider issue of groundwater movement or slope degradation.
This is not unusual in houses built on sloping sites in older estates - say 40-50 years +.
Remedying settlement may go far beyond any expense of tiling.
Field drains, soakaways and/or attentuation chambers may be needed to regulate the flows of water on and through your site, some or all of which might need planning permission
All this, should be addressed in a clandestine manner IMO otherwise you risk "scaring" the market against people selling on in the area.
This is not to suggest any manner of cover up, but to ensure that you deal with any information release by having retained professionals to address the matters arising in a competent manner.
We have worked with the following engineers on private house works, investigative work and/or insurance claims in the past.
Paul Downes
http://www.downesassociates.ie/
Joe Behan
[broken link removed]
Frank Moran/Noel Dillon
http://www.maloneoregan.ie/
For the avoidance of doubt this may not be taken as a recommendation but as a statement of fact.
FWIW
ONQ.
[broken link removed]
All advice on AAM is remote from the situation and cannot be relied upon as a defence or support - in and of itself - should legal action be taken.
Competent legal and building professionals should be asked to advise in Real Life with rights to inspect and issue reports on the matters at hand.