This is a real problem!!!!!  The Lady next door went to work one morning and came home to a flooded house.  The hose to one of her toilets had burst.  Actually the connection at the toilet broke.  It is worth the time to check the hoses or just replace them and DON'T OVER TIGHTEN THEM. 

The insurance companies in this area are receiving a lot of these type of claims.

I had a similar incident.......twice. The ball cock assembly in the tank broke right at the threads underneath the toilet. This could have been a result of 1) overtightening or 2) factory defect.

When this happened the first time, it was upstairs. It flooded 3 rooms and a hallway and the entire ceiling came down below. Caused $8,000 in damages.

About 2 weeks later, another ballcock assembly broke downstairs and flooded my bathroom kitchen.  I caught it shortly after it happened.   At that point in time, the builder replaced all of the ballcock assemblies.

I kept the first ballcock assembly but relenquished the second after some strong arming from the plumber. I have not heard back from the insurance company on who's fault it really is.