Too much loft insulation in the wrong place. We had an electrician come round to do an annual check (british gas service plan*) and when it came to check the wiring on the boiler I told him it was in the loft, "same as mine" he said and then asked if ours packed up 3-4 times a year with the condensate pipe freezing. "No never has" I told him and we worked out that he had a 'super insulated' loft whereas we only have the old 4" stuff, I'd sooner have less insulation than be without heating and hot water for up to a week 3-4 times a year.
* we cancelled the 'service plan' after this guy condemned the supply board as "Not to current spec" despite being a new one fitted 15 months before by British Gas (under the service plan/insurance cover) as the old board was to current spec but the RCD had become 'super sensitive' and was no longer available, The Old Board had 8 circuits all RCD protected whereas the new one had 10 circuits 5 protected and 5 not also the guy who fitted it didn't have any 'blanking plates' and neither did British Gas in their stores so he had to fit breakers in the unneeded holes.
The protected circuits are Cooker, Shower, Boiler and Ring Main with one spare and the unprotected ones are Downstairs lights and First floor lights with 3 spare breakers