Well, what do you like? What is available in your area? Go with that.

Go to a flooring store and talk to them.

Thank you so much - I like the white oak - there are so many different ones. How do you do that on the ap? replace the floor to see what it looks like?

HU-954etc., I use Photoshop.

HU - Your engineered floor was GORGEOUS.

As groveraxle suggests, go with a natural or 'raw' look hardwood. White Oak will offer a lovely light floor with some character (if you wish) without being too busy.

The insurance company will either replace like-for-like or will offer a budget/buy-out that means you are allowed to go shopping all by yourself (and choose your own wood flooring professional...ahem...choose YOUR OWN flooring professional = wink-wink-nudge-nudge-say-no-more-say-no-more!).

Go with what you love. We recommend looking at your floors as an investment. It becomes one of the main features of a home. Reclaimed wood floors is a great option.