Three years ago, a water pipe burst in the ceiling of my gallery in Chelsea. It was 2am on a Sunday. By the time the building super got there and shut off the water, we had four inches standing in the main exhibition space. We had eleven pieces on display. Total value around $850,000. I stood there in my pajamas and rain boots at 3am, watching water drip off a $120,000 painting, genuinely thinking my…