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Rick Kooyman, owner of Trade Secret Inspections, discussed the complexities of homeowners insurance in Florida, particularly post-Hurricane Andrew. He explained the evolution of the Florida building code, the rise of Citizens Insurance, and the impact of Hurricane Irma on insurance rates and policies. Rick detailed the four-point inspection process, emphasizing the importance of meeting new standards for roofs, electrical panels, and other systems. He highlighted the wind mitigation program, which offers discounts for storm-resistant homes, and the challenges of maintaining older homes to meet these standards. The discussion also touched on the role of public adjusters and the increasing cost of insurance.

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