we were flooded right through the ground floor, watwer had been seeping into the foundations for weeks, eventually came up but underlay masked it for ages, making it spread throughout, took about 8 weeks to dry out and work done. Good thing was decorated throughout, new carpets, all downstairs, hall landing and stairs, bits of kitchen renewed. This all happened twice and insurance paid up each time, absolutely brillaint, but could not live thro it again, umpteen blowers and dryers going for weeks on end, bare concrette floors no way!!