# Navigating Insurance Challenges with Florida Restoration Experts

Page: https://stenobird.com/podcast/contractor-talk-with-richie-kidwell-6399179/navigating-insurance-challenges-with-florida-restoration-experts
Text version: https://stenobird.com/podcast/contractor-talk-with-richie-kidwell-6399179/navigating-insurance-challenges-with-florida-restoration-experts.md
Podcast: [Contractor Talk with Richie Kidwell](https://stenobird.com/podcast/contractor-talk-with-richie-kidwell-6399179)
Published: 2026-07-28T14:00:00+00:00
Episode link: https://contractor-talk-with-richie-kidwell.simplecast.com/episodes/navigating-insurance-challenges-with-florida-restoration-experts-DRCcoyj1
Audio file: https://cdn.simplecast.com/media/audio/transcoded/e138b5b2-5e08-47cf-aa97-cc7ea24fcc10/c2a8197e-3dee-41a0-84dd-ee2cc969870d/episodes/audio/group/b77f0518-a1fd-44b8-91cb-1b714e383e6b/group-item/81eb7db4-7bfc-4c54-b326-4d320b017169/128_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/navigating-insurance-challenges-with-florida-restoration-experts
Duration seconds: 1356

## Resource

In this episode of Contractor Talk, Richie Kidwell and co-host Property Damage Attorney Hans Kennon are joined by Jim Apuzzo of DriRite and public adjuster Sterling Scott of Trust Public Adjusting Group to discuss Florida insurance claims, restoration challenges, and how contractors can avoid costly mistakes during the claims process. The conversation covers low water and mold coverage caps, policy limitations homeowners may not understand, and how insurance company preferred vendor programs can impact restoration decisions. Jim shares DriRite’s approach to handling claims, including reviewing coverage upfront, avoiding unnecessary work before coverage is confirmed, and making sure contractors are positioned to get paid. Richie, Hans, Jim, and Sterling also discuss common misconceptions about filing insurance claims, when contractors should walk away from a project, free claim assessments, and the importance of protecting both restoration companies and property owners throughout the process.

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## Transcript

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