What's even your analogy here? Because sometimes people have bad luck and you can make up a completely unrealistic scenario of how bad luck someone possibly could have, we should not hold anyone responsible for anything?
To give you an idea of how unrealistic your scenario is: In reality, yes, the owner of the damaged property could force you to pay for the repair, but also, you could force the plumber to reimburse you for that, and they in turn probably will have insurance for that sort of thing that will reimburse them in turn. Noone would be kicked out of anything, except for the plumber by the insurer if they had that happen a bit too often.
To give you an idea of how unrealistic your scenario is: In reality, yes, the owner of the damaged property could force you to pay for the repair, but also, you could force the plumber to reimburse you for that, and they in turn probably will have insurance for that sort of thing that will reimburse them in turn. Noone would be kicked out of anything, except for the plumber by the insurer if they had that happen a bit too often.