Here is a video of various frozen pipes w/ several types of fittings, worth watching if you have concerns: https://www.youtube.com/watch?

@Lynne Jacob  I totally get the Heloc benefits for sure.. but I can tell you many many people literally millions of borrowers in the GFC got their heloc called and frozen..

The article did say it was a very small sampling but I have read other articles that say franchisees are not happy with the current situation.I just do not know long term if they can survive without changing their business model from a frozen to a fresh concept.

In my area no electricity would mean frozen pipes, I assume you do not have that problem. 

I did have one line frozen as Dale Osborn mentioned.

Currently my credit files are frozen.  

The money is not frozen in an account, it is a snapshot in time.  

I''m a HVAC guy and the 90% of the time a frozen unit is because of lack of air flow (dirty filter, bad blower motor, restricted ducts) or lack of freon.

If you are asking your PM questions that your agent should be able to answer, he may be busy dealing with frozen pipes and lack of heat- two issues that are dominating our time today. 

Unfortunately, people have figured out that Denver isn't a frozen wasteland in the winter.