Hi there
1) Depends how old your property is with relation to thickness of insulation.
2) The situations that you mention with regards to underlay can be seen as acceptable by some people although the concrete floor should be a power float finish. However there are no standards with which you could challenge the builder to my knowledge.
3) This sounds to be totally wrong and should be addressed ASAP.
How old is your property and was the fire installed from new.
SteveF



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