{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Chicks in Construction","title":"What Homeowners Insurance Actually Covers","html":"","width":"100%","height":180,"duration":3243,"description":"In this episode of Chicks in Construction, Mikki Paradis and Jessica Abreu explain what homeowners insurance actually covers, why construction defects and long-term water intrusion are frequently excluded, and how homeowners can protect themselves before something goes wrong.They also discuss the surprisingly low barrier to becoming a licensed general contractor, the difference between a home inspector and a building inspector, and why a contractor can be responsible for an entire home without completing the apprenticeship or experience requirements expected in many individual trades. Through real court disputes, homeowner stories, and firsthand experiences, Mikki and Jessica explain why insurance is not a home warranty, contractor warranty, or maintenance plan—and why identifying the cause of damage is often more important than proving the damage exists.You’ll also learn what documents to save, when filing a claim may increase your future costs, what to do after a denial, and why hiring the cheapest contractor can become the most expensive decision you ever make.\n00:00 – General contractor licensing\n00:45 – New podcast setup\n02:00 – European vacation recap\n03:00 – Gluten-free travel in Italy\n05:00 – Six countries in one trip\n07:00 – Venice: worth the visit?\n10:45 – Viral builder lawsuit\n14:00 – How easy is contractor licensing?\n16:00 – Home vs. building inspectors\n18:00 – Social media backlash\n21:00 – Homeowner horror stories\n26:00 – What insurance really covers\n28:00 – The burned fence claim\n29:30 – Stolen car insurance story\n32:00 – Why claims raise your rates\n33:30 – Insurance is not a warranty\n34:30 – Challenging a denied claim\n37:00 – Hidden water damage\n38:00 – Find the leak first\n40:00 – What caused the damage?\n41:30 – Documents homeowners should save\n43:00 – Roof damage vs. normal wear\n45:00 – When filing a claim makes sense\n46:30 – Faulty workmanship exclusions\n49:00 – The cheapest contractor trap\n50:00 – How to verify a contractor\n51:00 – Understanding...","thumbnail_url":"https://img.transistorcdn.com/U4RQe6qavAk3WxUWLiKdTLcjOSkCRvzyPPS1Dj1fGLU/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9hMWVi/MzVhNTA2ZjUwMWI3/YzA2MDkxZmU3Njlh/NzkzNS5qcGVn.webp","thumbnail_width":300,"thumbnail_height":300}