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Saw this same thing in my parents house. Nail went through pipe and effectively sealed the hole as it entered. Over a period of time it rusted and the leak began. My father noticed the ceiling starting to bulge as the leak got worse. He pierced the plaster and got soaked as gallons of water poured down - then the ceiling gave way too. Rather messy is a huge understatement.
I’d guess the time period between the nail and the flood was around 10 years.
Found out why my CH was losing pressure. Some dick head (me) had stuck a nail right through a pipe trying to secure a loose board. I was being so careful too. Funny thing was it was hardly coming through the dining room ceiling below. There were a good few inches of water being held up by the old lathe and plaster ceiling.
I suppose I had to do something stupid at least once.