If it was a frozen pipe that burst and water went everywhere, causing the damage, then you would most likely have a covered claim (assuming you have Special Form Coverage)Best of luck with it. 

I get frozen in that mall and mentally exhausted for 45 minutes.

Just like Heloc's  most people get helocs and have no clue those can be frozen or called at the unilateral decision of the lender.   

My wife and I own a frozen yogurt shop through an LLC.

Polybutylene had some failures back in the day but if it hasn't failed by now you're probably good.LP siding had big problems in the 90s but there again most of that stuff has wasted away and the new stuff is pretty good if properly protected with paint.Not a construction material but any house used to manufacture meth or even grow weed will have potentially 10s of thousands of dollars in remediation.And then of course there's the occasional house I come across where someone deep fried a frozen turkey... 

The pipes may be frozen.

Last year when it hit -40F, we had several units with frozen pipes running along exterior walls freeze despite dripping water.

Last year when it hit -40F, we had several units with frozen pipes running along exterior walls freeze despite dripping water.

@Meghan Fallis I work for a local property management company and we always alert the tenant regarding frozen pipes.

Pardon the statement of obvious: ground is frozen in these parts.