This area sits in a severe cold climate zone, and a thinner builder-grade panel from the early 2000s wasn't built with much insulation value to begin with. Cold doesn't crack steel, but it does make it brittle enough that an impact which would just dent a panel in July can split a seam in January. With Otsego's median household income at $127,219, well above the $110,833 figure for the broader service area, we also see more interest here in upgrading to a heavier insulated panel when replacement is needed anyway, rather than matching the original spec. At roughly 7,074 households in Otsego against 81,120 across the full area we cover, this is a smaller town with a fairly uniform building era - which is actually useful, since it means the panel size and style questions have fewer variables than in an older, more mixed neighborhood.