At least your disasters happened before you put down new flooring!! We put down the flooring, and when cabinets were installed, apparently they knocked the drain line loose. All the water went to ther basement family room. Carpet, chairs and drywall ruined. Amd the new flooring is now warped, but it is okay to use for us. Thern to top it off, this week I flipped a light switch downstairs and saw sparks fly. Called electrician, , and while waiting for him, noticed the house seemed warmer than usual( checked, it was 87 degrees!!) Called AC man, and guess what ? THe darn thing was melted on some parts, and other things weren"t working, so , new AC, new wiring and we are getting a new furnace too ( AC and furnace were installed 25 years ago, so we figured, go ahead and get both new.) I "thought" I was going to get a new couch and new dining room furniture, but not sure now.Thaat last set us back $6500, and we haven't even got the quote for finishing the drywall and repainting( that was all new three years this fall.