Water it can happen to ANYONE!
We recently were on a water job, were the upstairs toilet line had sprung a leak. The client caught it within an hour, and still experienced detrimental damage to their home. Their home was completely up to date, and beautiful. All appliances, and plumbing had just been gone over. They hadn't had any kind of incident the whole 45 years they had been married. These customers knew how to keep up a home, and still experienced water damage due to a tiny fault in the line. Disasters do not discriminate, and no matter how prepared you feel you are it can happen. This couple being as on top of things as they were had already removed their contents, and placed dehumidifiers before we were even notified. This greatly reduced the damage that could have occurred. Luckily everything was covered, and saved because they were ready, for the unexpected.