Decoding the Myths of Home Damage Coverage

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