In this episode of Contractor Talk, Richie Kidwell and co-host Property Damage Attorney Hans Kennon welcome Sterling Scott of Trust Public Adjusting Group to discuss Florida insurance claims, public adjusting, and the challenges property owners face after a loss. They explore the importance of staying within professional roles during the claims process, how public adjusters and attorneys work together, why HOAs may need loss experts, and what homeowners should know about denied or underpaid insurance claims. The conversation also covers Florida's changing insurance landscape, rising premiums, reduced coverage, claim delays, and how Sterling helps property owners prepare through expert claim guidance, pre-loss inspections, and documentation services.