Protecting Homeowners: Understanding Policy Exclusions

About this episode

Richie Kidwell and Hans Kennon discuss essential preparations for homeowners insurance before storm season, highlighting policy exclusions and coverage details.

Richie Kidwell and co-host Hans Kennon break down how to prep your homeowners insurance before storm season. They cover hidden limitations such as water-damage caps, mold and sewer coverage, roof depreciation, and contractor restrictions. They also warn about renewal changes that can quietly reduce coverage while premiums rise, and explain the difference between replacement cost vs. actual cash value. Plus, what to know if you missed the April 9 deadline for Hurricane Milton supplemental claims, and how to still explore your options.

People in this episode

Host: Richie Kidwell

Guest: Hans Kennon

Topics covered

• homeowners insurance
• storm preparation
• policy exclusions
• coverage limitations
• replacement cost
• actual cash value

Keywords

• homeowners insurance
• storm season
• water damage
• mold coverage
• roof depreciation
• replacement cost
• actual cash value
• Hurricane Milton
• supplemental claims

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