Probably about 20 years ago, I owned the house my Mama lived in and a storm knocked a tree through the fence and into the driveway of the apts. behind.
Hubby should have done one a few weeks ago but for some reason he refused. Our fridge had a tiny pin leak in the water line we didn't know about. It was shooting at the wall, there is a small gap between the wall and floor. It ran down that wall and into the ceiling below in the basement. No telling how long it was going on until I was down there working and heard water dripping from the next room. Found the ceiling collapsed and water dripping on to the carpet. Plumbers came out and couldn't find any burst pipes, for some reason I had hubby pull out the fridge and there was the culprit. We got out the carpet cleaner and soaked up the water, cleaned up the ceiling from the floor and then put the dehumidifier and a fan blowing on the carpet. At least half the kitchen subfloor had been wet thus cracking the tiles in the kitchen. The plumbers told us they saw mildew on the bottom of the subfloor. At the same time, the drain pan in the shower in the master bathroom had come loose and was dripping into a closet in the basement. There is no ceiling in the closet and just concrete floors but we had all our scuba geared stored in there. Had to throw away probably a huge suitcase full because it was mildewed. For some reason hubby would not file insurance. Our neighbor is a contractor who flips houses. He came over and looked and said there was no mildew on the subfloor and it was not damaged. So hubby just plans on replacing the ceiling in the basement. I'm not happy because insurance would have paid to replace the entire kitchen floor, the ceiling in the basement, maybe the carpet in the basement and paid for some of the gear we had to throw away. Now I have an extremely cracked kitchen floor that I guess is not getting fixed. I don't know why he wouldn't file insurance since any money would have been better than none. I told if he wasn't going to use the insurance he should just get the cheapest policy he could with the highest deducible since it was silly to pay for something you aren't going to use.