Yeah, that is kind of what I was getting at. The insurance company is going to come back and say "yeah, but the water damage was done by you, not the flood" even though the flood would have caused the water damage. They don't care about it MAYBE being faster/easier to clean up. They care about "can we deny this claim for any reason at all". I think you gave them a really easy reason to be like "lol get fucked dude, we are not paying".