And, having reached the mid-competition break in second place behind North Division leaders Lancashire on 4 June with four wins from their first six games, the Tykes' sudden fall from grace has been unexpectedly abrupt.

BBC: Vaughan absent as Tykes miss out

While the policyholders "considered their discovery of the water damage to be abrupt and unexpected, they have presented no evidence that the loss was sudden, " the judge wrote.

WSJ: Dodging a Home-Insurance Trap