> I've had a flood from a broken washing machine hose before.

Oh, me too! So far my only significant insurance claim, around $70K for repairs in the mid-90s. The leak occurred while the house was unoccupied for a week.

Pro tip: you have to have receipts for all personal-property damage claims, which few people would or could have prior to everything being online. Exception: my insurer did accept a list of all damaged books with the associated cover price.