Polybutylene, galvanized steel and cast iron each fail in their own way, and insurers treat them differently. Here's how to tell what you have, how serious each one is, and what it means for coverage and repairs.

Cracks in a Florida driveway, sidewalk or patio are close to inevitable, but a few of them mean something. Here's how to tell normal shrinkage from movement worth investigating, and what your inspector is actually looking at.