I had my house (in a small country town) burn down due to an electrical fault in the power supply line in the street.
My house and adjoining workshop were supplied with 3 phase power, 4 wires on poles ran up the street; 3 single phase wires and a neutral wire.
I went to work, 80 kms away, for the day - and it was a stormy day with gusty winds in early October, but no rain.
The electrical supply wires between the poles had apparently sagged a little between the poles, with age.
In the gusty winds (70 to 80kmh), one of the phase wires between the poles flicked up and laid over the adjoining neutral wire. This then fed current into the neutral wire - around 90V - thereby boosting the current going into the house to 330V.
I had a bedside electric clock which arced up with the overvoltage, melted the plastic clock housing; and this then set fire to the adjoining window curtains.
I came home in the early evening to find my house a charred ruin, and the local fire brigade in attendance.
The firies (local volunteers) told me they'd turned the power off and pulled the fuses out of the main switchboard - but when they'd started pulling sheets of iron off the roof, they'd raised electrical sparks!
Early next morning, the local power authority inspector arrived, and checked the main switchboard. He found the neutral wire into the house still carrying 90V!
Of course, there's no fuses for neutral wires, only for the active wires.
Nothing was ever said about the power supply fiasco, and my insurance company paid out on the house damage.
Nothing could compensate for the loss of priceless photos and dozens and dozens of other personal possessions that were lost in the fire, though.
Later on in the month, the power utility ran all new wiring up the street; indicating to me that they realised they had a major problem. However in those days (1982), it wasn't legally possible to sue a power supplier for a power supply fault or resultant damage.
The Ash Wednesday bushfires (wildfires) in South Australia, only a little over 4 mths later, reset the blame game.
It was proven that numerous Ash Wednesday bushfires were started by clashing powerlines, and also started by a number of fallen power wires, which landed on vegetation that that was too close to the wires.
The victims of the Ash Wednesday bushfires commenced a class action against the power supplier, claiming negligence on their behalf - and the victims won, snaring a compensation payout of somewhere around $480M in total.
If only I could have been able to do the same, I would have been able to secure a substantial compensatory payout for my personal losses in my house fire, that was no fault whatsoever of my own.