Oh Dear, I feel your pain.
When we moved to the country we had to get used to living with a well (well, that's another story). One day we came in and things went splish splash. The washer never shut off. Turns out that DH was bothered by having to clean out the little screen in the hose, so the brainiac decided to leave it out. A small rock had found its way into the sensor.....I got new flooring and we were too embarrassed to call the insurance. :oops: