EPISODE · Apr 10, 2026 · 51 MIN
Protecting Homeowners: Understanding Policy Exclusions
from Contractor Talk with Richie Kidwell · host Richie Kidwell
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.
What this episode covers
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.
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Protecting Homeowners: Understanding Policy Exclusions
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