Decoding the Myths of Home Damage Coverage

Decoding the Myths of Home Damage Coverage

From Contractor Talk with Richie Kidwell by Richie Kidwell

March 20, 2026 · 51 min · Episode 136

About this episode

Richie Kidwell and guests discuss essential information for Florida homeowners regarding home damage coverage and insurance claims as storm season approaches.

In this episode of Contractor Talk podcast with Richie Kidwell, Richie and co-host property damage attorney Hans Kennon sit down with Sterling Scott, Founder and President of Trust Public Adjusting Group, to break down what Florida homeowners need to know heading into storm season. They discuss hail and wind claims, the importance of annual property inspections, and why documenting damage early within the one-year reporting window is critical. Sterling shares insight into free property inspections and policy reviews, along with how insurance carriers often rely on technicalities, exclusions, and deadlines to reduce or deny claims. The conversation also explores wind vs hail coverage, limited water damage endorsements, mold caps, and how insurers may push losses into restrictive coverage limits. They further examine contractor-related damage, third-party liability, and the growing challenges homeowners face when navigating claims. #floridainsurance #hurricaneseason #propertydamage #homeownersinsurance #publicadjuster #insuranceslaims

People in this episode

Host: Richie Kidwell

Guests: Hans Kennon, Sterling Scott

Topics covered

  • home damage coverage
  • insurance claims
  • property inspections
  • storm season
  • homeowners insurance

Keywords

  • home damage
  • insurance claims
  • Florida homeowners
  • property inspections
  • storm season

Mentioned in this episode

Organizations: Trust Public Adjusting Group

Places: Florida

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