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Rain lashed against my hotel window in Oslo, turning the city lights into watery smears. I’d just ended a midnight conference call when my phone buzzed—a flood alert for my London neighborhood. My chest tightened. Three days prior, a burst pipe had turned our basement into a shallow pond, and now this? I fumbled for my phone, fingers trembling. Water damage was one thing, but the real terror was my grandmother’s antique piano, a family heirloom sitting exposed on the ground floor. Insurance woul