Home insurance in Minnesota is a freeze conversation held against your own policy. A burst, an ice dam, and a snow-sagged roof are three claims. Do not blend them because the week was simply bad. Your deductible is the figure on your page. A closed cabin is not an occupied house, and the wording about maintaining heat will notice the difference. Hail on southern open land is yet another note.
Ask which path your policy uses for water. Through a roof opening made by ice is not up from a floor drain, and it is not a flood contract. Sewer backup is its own question. If heat was on and a pipe let go, say whether it ran in an exterior wall. Photograph the ice, the ceiling, and the burst before the thaw hides the cause. Keep the pictures with the claim.
Read a dwelling limit against a rebuild in this cold, not against what you paid. Plaster, masonry, and a real heating plant are part of that figure. Belongings in a finished basement are still belongings. Loss of use matters when a covered loss makes the house unfit and you cannot wait on a porch. Outbuildings and docks, if you have them, are not the dwelling. Open the claim on the structure that failed.
Do not mix southern hail and northern snow load if the policy separates them. Say which one marked the roof. A tree on the house is its own note. If a claim is already open, lead with it and have the details in front of you. If you are only trying to learn what the page says before you open anything, say that too. Neighbors on the same lake can hold different wording.
Have the town, the deductible, and whether anyone was keeping the house warm. Say freeze, ice dam, snow load, or hail in the first breath. Minnesota cold will not pause for a cleaner story later. Call the number on this page.