# The Insurance Game: Exclusions, Endorsements, and Consumer Advocacy

Page: https://stenobird.com/podcast/contractor-talk-with-richie-kidwell-6399179/the-insurance-game-exclusions-endorsements-and-consumer-advocacy
Text version: https://stenobird.com/podcast/contractor-talk-with-richie-kidwell-6399179/the-insurance-game-exclusions-endorsements-and-consumer-advocacy.md
Podcast: [Contractor Talk with Richie Kidwell](https://stenobird.com/podcast/contractor-talk-with-richie-kidwell-6399179)
Published: 2026-03-05T16:01:49+00:00
Episode link: https://contractor-talk-with-richie-kidwell.simplecast.com/episodes/the-insurance-game-exclusions-endorsements-and-consumer-advocacy-l_qd0qrh
Audio file: https://cdn.simplecast.com/media/audio/transcoded/e138b5b2-5e08-47cf-aa97-cc7ea24fcc10/c2a8197e-3dee-41a0-84dd-ee2cc969870d/episodes/audio/group/0467d893-9694-41cd-9b88-ef506955048e/group-item/11fe0113-2aff-45dc-b7e4-9dcf1b290fb0/128_default_tc.mp3?aid=rss_feed&feed=Y0hS1zBQ
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Duration seconds: 3076

## Resource

In this episode of Contractor Talk podcast with Richie Kidwell, Richie and co-host property damage attorney Hans Kennon break down the growing challenges facing contractors, property owners, and public adjusters. They discuss the fallout from Florida’s insurance reforms, shrinking windstorm claim activity, and policy exclusions that limit consumer support. Special guest Jack Hanks of VPA Public Adjusters shares insight on how public adjusters advocate for property owners, why claims are becoming harder to resolve, and how new legislation and policy restrictions could impact the industry nationwide. Learn what homeowners and contractors should watch for in their policies before a loss occurs. #contractortalk #insuranceclaims #publicadjusters #propertydamage #insuranceindustry

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## Transcript

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