What Homeowners Insurance Actually Covers

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.

00:00 – General contractor licensing

00:45 – New podcast setup

02:00 – European vacation recap

03:00 – Gluten-free travel in Italy

05:00 – Six countries in one trip

07:00 – Venice: worth the visit?

10:45 – Viral builder lawsuit

14:00 – How easy is contractor licensing?