We had a water leak in a pipe in the ceiling of my family room last year. Insurance paid to fix everything but the actual repair of the pipe. Of course, we redid a lot of other things at the same time, cause, you know...... If you have to replace that floor, might as well do the rest. And of course you can't have a newly pained room without doing the hall and bath and laundry room that are all connected. We spent a fortune, that we had not planned on spending all cause of a stupid little leak!!!! Everything looks great now and I have great new cabinets for my fabrics and a new bathroom downstairs, but I will be paying for it for the next several years.