The last rental I lived in was a detached ADU over the top of two garages, one was mine, the other was the adjacent landlords. On the side of her garage was a dual meter main panel, one meter feeding her house, the other running to a subpanel in my garage. One Sunday while I was out I got a text from my son that the power was out, I'm thinking I forgot to pay the bill or something so I call the POCO and they say no, I'm good. So when I get home I go upstairs and he's playing a game on his xbox so I'm thinking dude, really? Then he points out to me that none of the lights work and such. I go back downstairs and I realize my landlord had someone installing L-brackets for shelving in her garage and I'm thinking if she drove one of those 3" screws into the feeder that goes to my subpanel that could have blown one leg out. I estimated where I thought the feeder was, used my non-contact tester to determine the screw wasn't hot, then suggested that she call an electrician. The Electrician cut a small hole near where that screw was, sure enough there was a dinner plate sized flash mark inside the wall, the 3 inch screw connected one leg to the EGC and blew itself out. Somehow it didn't trip any breakers, didn't affect the other leg, and didn't start a fire. All because she carelessly hired someone to put up a few shelves. Incidentally through this I discovered that she had her garage running off of my meter and she obviously knew about it but tried to play dumb. I broke the lease and moved out that month.