Plumbing know-how, from a Denver crew

Class 4 shingles cost 20% more but unlock a 15–25% homeowners insurance discount and survive Denver hail with almost no claims. Here's the math on whether it makes sense for your house.

The first 48 hours after hail determine how well your insurance claim goes — and whether you become a target for storm-chaser contractors. Here's the playbook.

Metal costs 2.5x asphalt upfront but lasts 3x as long with almost no hail claims. Here's the math on whether the premium pays back for your house.