In this episode of Contractor Talk, Richie Kidwell and co-host Property Damage Attorney Hans Kennon welcome Colleen Pacheco of Secured Insurance Group to discuss how Florida homeowners can better understand their insurance coverage and avoid costly surprises. Colleen breaks down hidden policy limits for water damage, sewer backup, and mold, explains why shopping based on price alone can be risky, and shares why homeowners can shop for new coverage even before their policy renews. The conversation also covers switching carriers, escrow refunds, and what to look for when reviewing your policy. Whether you're reviewing your coverage or preparing for a future claim, this episode offers practical insights to help you make more informed decisions.