How can you tell if your house has been insulated properly??
It is not easy, but you can get an energy assessment from British Gas and the likes. Just phone them up and tell them you house is cold and you are interested in cavity wall insulation. They will do a site survey and hopefully tell you that it isn't necessary.
Is it possible that the floor cavity's should be insulated?
No - unless it is above the garage.
How can I tell if the house is properly insulated? Is it possible to get it inspected in some way??
See above
The big question is who do I turn to? I want to get a professional advice before contacting the builder / NHBC. Just not sure who I should be contacting.
Try the NHBC in the first instance. They claim that in 70% of cases they back the homeowner.



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