I thought it might have been some appliance that caused it. Washers, dryers, dishwashers, and refrigerators are the number 1 cause or property damage. If you tell your insurance contact about your washing machine, they can possibly go after the company who repaired it 3 times. You could possibly get some or all of your deductible back. One of those $20 toilets most builders install in most new homes flooded my home last year. The damn flapper stuck open and caused the flood. It went through the floor through the can light below the toilet and into the kitchen. I called. My insurance company the second I found out and they sent a water restoration guy out to do his magic. One thing I found out from my little flood is that if you have a flood and do not have it taken care of by a professional and that water grows mold, your insurance company has the right to deny any future claims due to mold. This will leave you on the hook for all repairs. Just make sure somebody Sprays some sort of mold inhibitor before they leave. There is this spray that attaches to whatever it comes into contact with and prevents mold from growing, if there are any spores that was missed. You also have the right to change contractors if you believe the current contractor is not doing a good job. If you call and complain, your insurance will find another contractor. Good luck.