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Jefferson County and Clear Creek County’s New Wildfire Resiliency Codes
Jefferson County's new Wildfire Resiliency Code took effect July 1, 2026, and Clear Creek County has adopted comparable requirements. Here's who it applies to, what it requires for roofing, siding, decks, and windows, and how to stay compliant.
Does James Hardie Siding Need Plywood or OSB Sheathing?
Every siding material puts different demands on the wall behind it. Vinyl siding is light, roughly half a pound per square foot, and it hangs loosely on a nailing hem, so it tolerates a less-than-perfect substrate. Fiber cement is a different animal. James Hardie lap and panel siding weighs several times more than vinyl per square foot, and unlike vinyl, it's face-nailed or blind-nailed directly into the wall assembly.
ACV vs. RCV in Hail Claims: How Roof Replacement Is Actually Paid
When evaluating insurance payouts for a damaged roof, the difference between ACV and RCV in hail claims dictates your financial burden. Actual Cash Value (ACV) pays only for your roof's depreciated value minus your deductible. Replacement Cost Value (RCV) covers the full current market price to install a brand-new roof.
How to Document Roof Hail Damage for an Insurance Claim
The most effective way to document roof hail damage for an insurance claim is to capture clear, timestamped photos and videos of a 10x10 foot test square on the roof, alongside ground-level ancillary damage to gutters and AC units. Proper documentation prevents adjusters from dismissing the damage as normal wear and tear, ensuring your claim is evaluated accurately.