Florida's mild temperate climate means panels here don't crack from freeze-thaw cycling the way they might further north, so when we see panel failure in Valrico it's almost always physical: a car bumper, a stray basketball, storm debris, or just age-related fatigue in steel that's been expanding and contracting in the sun for near 30 years. Housing built around 1996 across this stretch of the service area tends to use lighter-gauge steel than newer code-driven doors, which dents more easily on contact but also holds up fine once a damaged section is swapped out. We don't see the wind-load hardware upgrades here that you'd find on homes built after the stricter codes came in later, which is one more reason panel matching on these doors is usually straightforward rather than a code compliance问题.