# Homeowner Rights and the Big Insurance Dilemma

Page: https://stenobird.com/podcast/contractor-talk-with-richie-kidwell-6399179/homeowner-rights-and-the-big-insurance-dilemma
Text version: https://stenobird.com/podcast/contractor-talk-with-richie-kidwell-6399179/homeowner-rights-and-the-big-insurance-dilemma.md
Podcast: [Contractor Talk with Richie Kidwell](https://stenobird.com/podcast/contractor-talk-with-richie-kidwell-6399179)
Published: 2026-04-17T14:16:05+00:00
Episode link: https://contractor-talk-with-richie-kidwell.simplecast.com/episodes/homeowner-rights-and-the-big-insurance-dilemma-jP7_MiPQ
Audio file: https://cdn.simplecast.com/media/audio/transcoded/e138b5b2-5e08-47cf-aa97-cc7ea24fcc10/c2a8197e-3dee-41a0-84dd-ee2cc969870d/episodes/audio/group/e491411a-e442-47b2-8f78-d5bc8e9cbc83/group-item/a3d7bfa7-6b44-410f-a28e-e8ef78dacbd4/128_default_tc.mp3?aid=rss_feed&feed=Y0hS1zBQ
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JSON: https://stenobird.com/v1/public/podcasts/contractor-talk-with-richie-kidwell-6399179/episodes/homeowner-rights-and-the-big-insurance-dilemma
Duration seconds: 3059

## Resource

What’s really going on with Florida’s property insurance system? In this episode, Richie Kidwell and co-host property damage attorney Hans Kennon break down the latest challenges homeowners and contractors are facing across the state. They dive into recent legislative changes impacting attorney fees, how insurers (including Citizens) are handling claims, and why many policyholders are struggling to get fair payouts. From delays and denials to restrictive policy endorsements, this conversation sheds light on what’s happening behind the scenes, especially following major storms like Hurricanes Milton and Helene. Special guest Bernie Stepien of HRC Construction joins the show to talk about remodeling, home additions, and how insurance shifts are affecting contractors. He also shares insight into financing options and how homeowners can move forward with repairs or upgrades.

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## Transcript

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