Got 31-hundred dollars? That’s the average cost homeowners claimed last year for water damage caused by frozen and burst pipes. Carolyn Gorman, spokeswoman for the Insurance Information Institute, says Iowans need to make sure they’re familiar with a few elements of their house before the really cold weather arrives. Gorman says one of the most important things a homeowner needs to know is the location of the main water shut-off valve. If they have a water leak or a burst pipe, that valve is essential in halting further damage. She says Iowans should resist the temptation to knock the thermostat way down just to try and save money. Gorman says to keep it set at least at 65-degrees. The temperature inside the walls, where the pipes are located, is substantially colder. Also, make sure your attic is well insulated as snow can melt too quickly on your roof and create a dangerous ice dam. Gorman suggests taking care of a few winterizing chores now, before the chilly winds start to howl. Clean out your gutters to allow melting snow to flow away instead of building up and damaging your roof. Trim trees and remove dead branches now to avoid them falling later and damaging your car or a person passing by. Also, add weather stripping around windows and doors, or caulk where appropriate, and have your furnace inspected by a professional.