Very shortly after we moved into our house that we had spent a lot of time and effort doing up we were flooded. In bloody July. Not exactly expected. We got a call at work and flew out of there like our pants were on fire. It was by far the worst car journey we had ever had together, not knowing how bad it was and what was happening was horrific. I remember keeping it together until we were just down the road and then just falling apart. We came round the corner to see fire engines everywhere and chaos.
Luckily, our neighbors had done what they could without being able to get into our house and put sandbags around the doors and when we got inside it was just surface water throughout the downstairs of our house and conservatory. It was still a nightmare dealing with insurance, getting 4 month old carpets relaid and all that clearing up.
Please, take time to go and look and bid on something, even if it is small. You could pick up some Christmas presents!