Real Freeze Risk, Unlike the Coast
Hope gets genuinely colder than Metro Vancouver, and the freeze precautions that are optional in Surrey are not optional here. Exposed lines in crawlspaces, unheated garages, and outbuildings, plus hose bibs left connected through a cold snap, are the recurring causes. A pipe that freezes and splits does not leak until it thaws, which is why the damage is usually discovered late.
See pipe repair work