Plumbing in Seattle fails in the long wet season more often as a drainage problem than as a freeze, though a cold snap still splits a hose bib or a pipe in an unheated crawl. Older neighborhoods carry galvanized supply that flakes and stains a fixture, and side sewers that belly, root, and back up when the ground is soaked. Hill houses take runoff at window wells and at the low wall. A toilet that gurgles when the washer drains is telling you about the line, not the stopper.
Say the symptom in one breath. No hot water, a ceiling drip under a bath, a sewer smell at a floor drain, a sump that never rests from November on, a bib that will not shut after the one cold week. Say if the heater is in a garage that goes cold on the sharp week, a hall closet, or a crawl you avoid. A rusted pan and a wet wall behind it are ordinary here and still urgent. If you are on a well, say that. Most of the city is not, and the shutoff at the street matters.
Find the main shutoff before you need it, and admit it if you cannot. On a hill, say which floor is against the soil. Water pushing in at a daylight basement is not the same job as a supply line that let go in a ceiling. A slow seep at a galvanized joint and a sudden break are not the same claim story either, if a policy is part of why you are calling. Have the deductible in mind and do not call groundwater a burst pipe.
If water is moving now, shut off what you safely can. Name the neighborhood, the floor, and whether the water is clean or not. A stacked townhouse leak becomes the ceiling below in minutes. A bungalow leak shows up in the crawl if you look.
Seattle rain will keep loading the ground and the gutters. Call with the town and a plain sentence about what the water is doing. Call the number on this page.