Defending Your Property: Insights on Navigating Insurance Challenges

In this episode of Contractor Talk, Richie Kidwell and co-host property damage attorney Hans Kennon break down Florida’s property insurance landscape and what homeowners should know right now. They cover why homeowners should be wary of calling insurers just to “ask questions” about claims, as well as common carrier tactics such as restrictive check language and direct repair programs that steer work toward insurer-approved contractors while limiting accountability. The discussion also touches on recent legislative changes that have reduced consumer protections, as well as broader market shifts, including insurer exits, Citizens depopulation, FIGA costs, and the impact of new carriers entering the state. Special guest Tony Busby of Great Florida Insurance shares practical advice on shopping for policies through an agent, reviewing renewals closely, and identifying red flags such as capped water-damage coverage and actual-cash-value policies. He also explains how simple inquiries can sometimes be logged as claims. The episode wraps with insights on hurricane season expectations, FEMA concerns, and proposed property tax changes affecting local services.