She complained of food spoiling quickly and frozen items partially thawing. 

And some days you have rain on top of snow and then a blistering cold night leaving everything ice crusted and frozen solid... in remodeling you can get away without heavy equipment.

Now is probably good time to get those HELOCs in place while you can, so you will be ready to go when things get cheap again.Mark the first thing to get frozen in a down turn IS the HELOC's  banks can call those and freeze them at anytime.. the only thing that would be immune from that is putting term mortgage's on your stuff and then putting the cash in the bank.. or investing it for at least as much as your interest is.. ( which there are funds you can do that , those funds allow U to call your money in 30 day increments.) 

However, the property is in use which limits the possibility of frozen pipes.

Quote from @Chiquita Smith: I’m trying to get a referral to an attorney I took out a hard money loan the lender is not dispersing the funds that they charge me interest for a front the money sitting in an escrow account and they’re not releasing the draws per the agreement so I’m trying to speak with an attorney to see how I can get this expeditedthere is usually a reason for this other than they are just not doing it.. there could be a default of some kind that has frozen the process..

Just to mention one situation is where people make more than 50K turnover, accounts are being frozen.

That's particularly true with the bitterly cold winters that Maine is known for and that Ed, rightly, calls out with the reference to frozen lakes and snow mobilers.  

In my area if the electricity went out for a week every time a tenant moved we’d have hundreds of houses with frozen pipes all winter long.

@Jonathan R McLaughlin Great points - if the residents left prior to the expiration of their lease and pre-paid I still worry about paying their gas bill in the middle of winter in cold Ohio to prevent frozen pipes.

It simply sets the debtor up for a repayment plan over 3 to 5 years and makes their life miserable and credit stays frozen over that time.A large percentage 80 to 90% never finish the plan to full discharge.