# Protecting Homeowners: Understanding Policy Exclusions

Page: https://stenobird.com/podcast/contractor-talk-with-richie-kidwell-6399179/protecting-homeowners-understanding-policy-exclusions
Text version: https://stenobird.com/podcast/contractor-talk-with-richie-kidwell-6399179/protecting-homeowners-understanding-policy-exclusions.md
Podcast: [Contractor Talk with Richie Kidwell](https://stenobird.com/podcast/contractor-talk-with-richie-kidwell-6399179)
Published: 2026-04-10T14:20:11+00:00
Episode link: https://contractor-talk-with-richie-kidwell.simplecast.com/episodes/protecting-homeowners-understanding-policy-exclusions-PumZKjlt
Audio file: https://cdn.simplecast.com/media/audio/transcoded/e138b5b2-5e08-47cf-aa97-cc7ea24fcc10/c2a8197e-3dee-41a0-84dd-ee2cc969870d/episodes/audio/group/8089119f-a8e4-4b53-a265-d07d6e1a17a4/group-item/a64b9658-98a8-44fd-b414-f40ff1cfc0fb/128_default_tc.mp3?aid=rss_feed&feed=Y0hS1zBQ
Processing state: not_requested
JSON: https://stenobird.com/v1/public/podcasts/contractor-talk-with-richie-kidwell-6399179/episodes/protecting-homeowners-understanding-policy-exclusions
Duration seconds: 3066

## Resource

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.

## Actions

- request_transcript: `POST https://stenobird.com/v1/public/podcasts/contractor-talk-with-richie-kidwell-6399179/episodes/protecting-homeowners-understanding-policy-exclusions/transcription-requests` — Idempotently request low-priority transcript generation for this episode.
- read_markdown: `GET https://stenobird.com/podcast/contractor-talk-with-richie-kidwell-6399179/protecting-homeowners-understanding-policy-exclusions.md` — Read the agent-friendly Markdown representation of this episode resource.

A page view does not enqueue transcription. Agents should invoke `request_transcript` explicitly when they need this episode processed.

## Transcript

Full transcripts are not published on public pages unless there is a clear rights basis.