Navigating Legal Challenges in Florida’s Insurance Industry

In this episode of Contractor Talk with Richie Kidwell, Richie sits down with Bobby Vickery of Boltz Legal to discuss the current state of Florida’s insurance landscape and what recent legislative changes mean for homeowners, contractors, and public adjusters. They break down how changes in attorney fee laws are affecting access to legal representation and why many homeowners may now face greater challenges when pursuing property damage claims. The conversation also explores insurance company tactics, including the use of subsidiaries, rate increases, and evolving policy structures that can limit coverage. Bobby shares firsthand insight from his experience during Hurricane Ian, including dealing with insurer insolvency, delays due to FIGA, and the financial strain many policyholders faced. They also highlight the importance of pre-storm documentation, policy reviews, and understanding coverage before disaster strikes. Throughout the episode, Richie and Bobby discuss the broader implications of regulatory decisions, the role of advocacy groups such as the Restoration Association of Florida, and steps homeowners can take to better protect themselves in an increasingly complex insurance environment.