2010 was the last really bad one. I was staying over at my GF’s house and went straight to work from there. My neighbour phoned me at approx 9:00am to tell me there was water coming out of my bathroom window frame. I rushed home to find the house flooded. There was a capped off water pipe hidden in the loft which had frozen over night, expanded and blew the cap off. Early morning had seen temperatures rise enough for a thaw, which meant said pipe now became a water fountain. The house was wrecked. I was out of it for 10 months and a massive insurance claim. Every room was damaged.