I have been several weeks late, been almost a month behind on my water bill, and I have NEVER been shut off. Never, ever, ever, in my 15 years of paying bills on my own. And yes, I received shut off warnings.
The reason people are skeptical is because there seems to be a piece missing in your story. Companies cannot just shut you off without notice, and normally it's several notices, with some phone calls thrown in there. If your DH messed up, he may be too embarrassed to admit it, since it could you guys money. I just find it hard to believe that they would shut you off that soon, and with zero notice.
So, please don't be upset when people aren't on board with your idea. It will only work if your claims are 100% fact. Right now, you can't prove that. No one wants you to make a fool of yourself because of something that you were unaware of.
What I didn't see anywhere in your post is where you ask the water company why you were shut off for being 2 days late, and why you received no notice. That right there makes me feel like you haven't done your research & are not being thorough enough.