Quick answer
For water damage in Loretto, MN, shut off your main valve first, or turn off the well pump breaker if you are on a private well. For a city water or sewer question, call Loretto City Hall at 763-479-4305. Then call a water damage restoration company; drying should start within 24 to 48 hours. Minnesota law gives insurers 10 business days to acknowledge a claim.
Do this first
Local water and sewer lines.
City Hall is at 279 Medina St. N., Suite 260. It is open Monday to Wednesday, 8 a.m. to 4 p.m., closed Thursday, and open Friday, 8 a.m. to 2 p.m.
- Shut off the water. Shut off the main valve where the line enters the house. For a city water or sewer question, call Loretto City Hall at 763-479-4305.
- Make it safe and document it. Cut power to wet rooms from a dry spot, photograph the damage, then report the claim.
- Start drying within 24 to 48 hours. The median Loretto home dates to 1992, and about 31% were built before 1980. Check finished basements behind baseboards near the water heater.
Loretto bills water, sewer, and stormwater monthly through City Hall. City Hall is closed on Thursdays.
What to know about water damage in Loretto
1886
The year Loretto was founded as a Soo Line village, settled by German and Dutch families.
Source: City of Loretto
How often it freezes
The NOAA weather station at Delano, about 6.9 miles away, averages 165.8 nights a year at or below 32°F and 99.1 at or below 20°F. In half of years the first freeze comes by October 8 and the last one after April 30. Pipes in outside walls, unheated basements, and crawlspaces are the first to split.
Named for two missions
Loretto was named for the Lorette mission near Quebec and for Loretto, Kentucky.
Source: City of Loretto
Church and bank
Sts. Peter and Paul Church was built in 1903, and the State Bank building went up in 1910.
Source: City of Loretto
Incorporated in 1940
Loretto incorporated in 1940 and started its fire department in 1948.
Source: City of Loretto
City wells
Loretto's 2013 wellhead protection plan lists one primary well and one emergency backup well.
Source: Loretto wellhead protection plan
Homes in Loretto
The median home dates to 1992, and about 17% were built before 1960. About 84% are owner-occupied, with a median value near $361,500.
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Cost and insurance in Loretto
How much does water damage restoration cost in Loretto?
Most jobs run $450 to $16,000 (Angi). Storm water or snowmelt that enters the house from outside is a flood loss, which needs a separate flood policy. Loretto sees about 166 freezing nights a year. After a frozen pipe leak, check the wall cavity and the floor below before closing anything up.
Water removal and restoration in Loretto
The company that answers handles frozen pipes, finished basement leaks, sump pump failures, water heater failures, and sewer backups, plus burst pipes, appliance leaks, drying, and septic backups.
Loretto questions
Who handles water bills in Loretto?
Loretto City Hall, at 763-479-4305. Water, sewer, and stormwater are billed monthly.
When is Loretto City Hall open?
Monday to Wednesday, 8 a.m. to 4 p.m., and Friday, 8 a.m. to 2 p.m. It is closed Thursday.
How was Loretto named?
For the Lorette mission near Quebec and for Loretto, Kentucky.
How often does it freeze near Loretto?
The Delano weather station averages about 166 nights a year at or below 32 degrees.
Related guides
Other Minnesota towns- Burst pipe, not frozen
- Sewage backup: what to do first
- Burst pipe repair cost
- Minnesota insurance claim rules, in plain English
- Frozen and burst pipes: what to do
- Does homeowners insurance cover water damage?
- How long water damage takes to dry
Local phone numbers checked November 2026: