17 episodes on what your policy actually pays, deductibles, flood coverage, title insurance, and why carriers keep leaving whole states.
Insurance is the product you buy hoping never to use and then discover you misunderstood on the worst day of the year. These episodes are the show pinning agents down on the specifics well before that day arrives.
One distinction comes up in nearly every one: replacement cost against actual cash value. Agent Jarrod Tucker laid it out along with the 1 percent deductible trap and the scheduled property riders that actually cover jewelry. Ryan Aduddell of Liberty Mutual covered flood coverage, burst pipe claims, insuring a collection and adding protection for smart devices, then came back later to reframe the whole thing: insurance is risk transfer, not a warranty, which is why the age of your roof matters so much to a claim.
Then the market, which has gotten ugly. Seth Cox and Kristopher McDaniel walked through the California wildfires, roofs settled at actual cash value, post bind inspections, and carriers pulling out. California dropped 72000 policies and the show traced where that leads, from FAIR plans to Florida. Robert Irish of Goosehead Insurance explained FEMA flood program changes, Flood Zone X, percentage deductibles, and coverage quietly shrinking while the premium climbs.
Two more corners worth knowing. Texas House Bill 2102 made it an offense for a contractor to advertise paying or waiving your deductible, which the hosts took apart in Beyond the Summit and Jeremy Fain of Priority Roofing confirmed from the contractor side. And title insurance, covered twice, by Mike Ham on what a title search finds and Shannah Quinn of Envision Title on escrow, tax liens and mechanic liens.
Home warranties are here too, because the listener question is the same one: what does this thing actually pay for? Beth Elliott of Fixd Repair answered it, claim caps and waiting periods included.
This episode chronicles a challenging five-day backpacking trip up Mount Harvard in Colorado, one of the state's highest peaks. The journey involved an arduous off-trail ascent on the backside of the mountain, characterized by steep, unmarked terrain and significant elevation gain over a short distance.
This episode features Jeremy Fain, a roofing contractor from Priority Roofing, discussing his decade-long career in construction and his more recent focus on roofing. He shares his personal journey of finding his calling in the roofing industry, emphasizing the importance of proper installation and maintenance for roof longevity.
This episode of the Homeowner Show features hosts Kevin Hackett and Craig Williams engaging in a lively discussion that spans personal anecdotes and broader societal issues. The conversation begins with lighthearted chatter about baseball season and Kevin's son's games.
The video discusses the current state of home affordability and related financial challenges. The speakers touch upon the increased costs associated with homeownership, including rising insurance premiums and the general impact of inflation on everyday expenses.
In this episode, Kevin Hackett and Craig Williams recap their Dallas weekend—where perfect fall mornings turned into 90-degree afternoons—and talk all things food, football, and homeowners insurance madness in California. The guys break down: • Seeing Nate Bargatze live (three sold-out Dallas shows!) • Why his clean, family-friendly comedy is winning • The best meals of the trip—State & Allen, Oddfellows, and the Michelin-recommended Stock & Barrel (truffle fries, whipped feta, and cowboy-butter ribeyes) • Their Airbnb adventure near downtown Dallas and a next-level digital lock • The latest college football highs and heartbreaks for A&M and Texas Tech • The PBD Podcast report on California insurance companies using drones to “inspect” homes and why it’s pushing homeowners to move out of state
Fall Breaks, Fake Stimulus Checks & Football Shocker Week! This week, the guys are back in the studio after a “camping” trip (well, one of them slept in his truck).
In this episode Craig and Kevin chat with Seth Cox with VinCo Insurance and Kristopher McDaniel with The Summit. Seth is a residential insurance agent, and Kristopher is in the commercial sphere.
Homeowners Insurance Cancelled In this episode Craig and Kevin discuss the craziness of California dropping 72,000 homeowners insurance policies and the ramifications of that. Is there a trickle effect, and if so, what does that look like?
In this enlightening episode of our homeowner show, join our host, Craig Williams, as he navigates the implications of Texas' recent massive freeze on local homes and businesses. Full of crucial tips and expert opinions on handling home repairs, this episode is a must for DIY enthusiasts and homeowners looking for professional repair assistance.
In this episode, Craig and Kevin do a 10-minute interview with Shannah Quinn. Shannah is a title insurance sales rep.
In this episode Craig and Kevin review the Notion Smart Home device. Craig received the device from his insurance company in exchange for a lowered premium.
In this episode Craig sits down with Robert Irish from Goosehead Insurance. They dive into lots of updates in the insurance world including FEMA changes, real estate prices affecting coverage and costs of your policy and even how some companies are intentionally giving you less coverage.
This week Craig and Kevin sit down with Ryan Aduddell from Liberty Mutual to discuss all things Home owners insurance, from flood, fire and life to even the nitty gritty on having supplemental insurance for your smart devices. Whatever your question, we cover it in this in depth discussion on insurance with the man himself; Ryan Aduddell!
In this episode, Craig and Kevin interview Mike Ham, the coolest guy in title insurance. Mike is a podcaster, marketer, and provides title insurance.
In this episode, Craig and Kevin interview Beth Elliott with Fixd Repair Home Warranty. If you’re like most people, you probably have a love/hate relationship with home warranties.
In this episode Craig and Kevin talk with Jarrod Tucker about Homeowners Insurance. When you buy a home, you are required to carry homeowners insurance on your home.
That Time We Talked About Life Insurance In this episode Craig and Kevin talk with Rene and Dalila Reyes and Cindy Salmeron of PHP Insurance. Many people desire to own a home, but lack the financial freedom to do so.
There is a lot more where that came from.
The archive runs to hundreds of episodes on foundations, HVAC, pests, hiring, insurance and everything else a house throws at you. New ones every week.