Home insurance in Minneapolis is your policy facing a burst pipe, an ice dam, or both in the same week. They are not the same claim. Water from a ceiling during a cold stretch may be the roof. Water in a cabinet under a north-wall sink is the supply. Your deductible is the figure on your page, and the wording about keeping heat on will matter if the furnace quit or the thermostat was buried. Read that page before you pick a story.
Ask how your policy treats sudden discharge from a plumbing system versus water that entered through a roof opening. A floor drain backup is a third path, and flood is often not this policy at all. Sewer backup is a specific question. If you shut the water and kept the heat on, say so. If the house went cold first, say that too. Photograph the split, the ice at the eave, and the ceiling before cleanup makes them look the same.
Dwelling limits on older Minneapolis bungalows and plaster houses should be read against a rebuild, not against what you paid. Belongings in a finished basement are still belongings. Loss of use matters if a covered loss makes the house unfit while the cold is still in charge. A claim already open should be named first. If you have not opened one and you are only trying to understand the page, say that. Do not let a neighbor's thaw story decide your wording.
Heat-maintained questions are the awkward middle. A setback, an empty week, a furnace that died at midnight, and a pipe in an exterior wall can all be true, and they are not equal on a page. Describe the sequence. Outbuildings and garages are not the dwelling if that is what failed. Wind and ice can be separate notes from the freeze. Mixing them muddies the deductible you will actually meet.
Have the town, the deductible, and the path the water took. Say whether the furnace is running now. Minneapolis will thaw the evidence if you wait to describe it. Call the number on this page.