The answer to 'shut-off valve frozen' is that a frozen shut-off valve is a common plumbing issue that can occur during cold weather. This happens when the water inside the valve freezes, causing the valve to seize up and become difficult or impossible to turn. Symptoms include the valve handle being stuck or not responding when you try to turn it.
The most common causes are exposure to cold temperatures, lack of insulation around the valve, or a malfunctioning valve. In some cases, the valve may have been damaged or corroded over time. Fortunately, there are several solutions homeowners can try before calling a professional plumber.