The most common and most likely answer to this crossword clue is the 7 plus 3 plus 4 letter word THROUGH THE ROOF
I've seen this crossword clue in The Times
T
H
R
O
U
G
H
T
H
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F
Buddy explains!
The straight part
We know that "Where water can enter a house/beyond what one would reasonably expect" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case where water can enter a house/beyond what one would reasonably expect = through the roof.The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.