Interesting topic. Let's see...
(Here's a morbid one)
When I was younger, our family came home to find that my Grandmother, who had been baby-sitting our house, had to deal with the death of our Britney-Spaniel.
(Here's one that you wish your home-owner's deductible was lower on.)
Another year-the night before we left for Cedar Point, we were in the middle of packing, and our street had a power outage. Besides having to use a little wrist-watch to wake my family up in the morning, the power outage continued for three days. When we returned, we had a fridge full of food to dispose of.
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-Dave Kochman
Pittsburgh