u/neutron_star_800

I have a room with can lights, each of which have a GE EQ PAR20 LED spot flood light bulb (which sit flush with the can, pretty nice). I would like to change these to controllable color-changing bulbs. Two main questions:

1. I want to keep the spot flood light design so that the next bulbs sit flush with the can fixture. Is "spot flood light" the right name to call bulbs shaped like that?

2. I'm not quite understanding the difference between smart bulbs and smart switches. My house is 50 years old with no existing smart stuff, so I'm not sure which setup is easier/better for my room. Suggestions?

I don't know what I can do to help, but I want to reach out to whatever organization is fighting the Blackstone purchase of PNM. Is there any group or groups that are doing this?

Last year, I switched to a new insurance agent. He was a little surprised to see that I had a claim for wind damage to a roof a few years ago. He said that once I have a second claim I would become uninsurable, so I should have covered that out of pocket.

This new agent also encouraged me to purchase service line coverage. My house is getting old and I'm particularly worried about my sewer line, so I decided to do it. $50 a year for $500 deductible, max $10,000 coverage.

Fast forward almost a year, now I have root intrusion into my sewer line.

I want to make a claim for the sewer line so I don't have to pay as much to get the line repaired. However, it seems insane to me that for only $50 a year I can get coverage for such an expensive repair. It makes me feel like it's a scam or something.

1. Is service line coverage a scam?

2. If I have a service line claim and a roof wind damage claim within the last 5 years, is my insurance going to drop me? Will I have a hard time finding someone to cover me?