Winter pipe freezes
Denver gets hard freezes, then warm afternoons, then hard freezes again. Pipes in exterior walls, in unheated crawl spaces, and in older homes with little insulation are the ones that split. The damage usually isn't the ice — it's the thaw. A pipe splits quietly overnight, then releases when the house warms up and someone turns on the tap.
Hose bibs left connected, uninsulated garage walls, and vacation shut-offs that were never actually shut off account for a large share of the January and February calls we get.
Burst pipe cleanup