We are going through an upheaval at our stick house. A water line burst under the floor last October and soaked the subfloor and insulation for a couple days before anybody noticed (we were away in the coach). A strip of floor about 4 ft wide and 25 feet long was severely weakened (the subfloor was just particle board). Unfortunately that strip runs under two bathrooms, a closet and the utility closet where the water heater lives. Repairs are estimated at $8500[ so far] and now that the repair is underway we have no water in the house and no showers or toilets that are usable. Good thing we have a motorhome in the yard! And good insurance to cover the cost!