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On the show
From 10 epsHost
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Recent episodes
New Homes, New Rules: How the 2026 Building Code Impacts Inspections & Insurance
Jun 16, 2026
Unknown duration
Deferred Home Maintenance Part 2
Jun 3, 2026
Unknown duration
Tampa Bay Real Estate Market Update | Quarter 1 2026 Breakdown with Katrina Madewell
May 5, 2026
Unknown duration
4-Point Inspections vs Home Inspections: What Actually Matters (and What Doesn't)
Apr 17, 2026
26m 26s
The Hidden Risks of Marketing a Property as an Airbnb (When It's Not Allowed) | Tampa Home Talk
Apr 3, 2026
39m 05s
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| Date | Episode | Topics | Guests | Brands | Places | Keywords | Sponsor | Length | |
|---|---|---|---|---|---|---|---|---|---|
| 6/16/26 | New Homes, New Rules: How the 2026 Building Code Impacts Inspections & Insurance | Could a home built in 2026 be viewed differently by inspectors and insurance companies than a home built just a few years ago? The answer may surprise you. In this episode of Tampa Home Talk, Katrina Madewell sits down with Eric George, Owner and Operator of Bay Life Home Inspections, to discuss Florida's upcoming 2026 Building Code changes and what they mean for homeowners, buyers, sellers, real estate professionals, and insurance carriers. Eric shares his journey from Tampa Bay musician to licensed home inspector and breaks down the critical role inspections play in protecting one of your largest investments. Topics covered include: ✔️ What a home inspection actually includes—and what it doesn't ✔️ The most common issues found in Tampa Bay homes ✔️ Aging roofs, electrical panel concerns, plumbing problems, moisture intrusion, and HVAC maintenance issues ✔️ The difference between a Home Inspection, 4-Point Inspection, and Wind Mitigation Inspection ✔️ Why so many homeowners confuse these inspections ✔️ How insurance companies evaluate homes differently than buyers do ✔️ Florida's 2026 Building Code updates and why they matter ✔️ New wind resistance standards and structural improvements ✔️ Energy efficiency requirements and electrical safety updates ✔️ How newer construction may impact future insurance costs and underwriting decisions ✔️ What buyers should know when comparing homes built in 1995, 2010, and 2026 ✔️ How the new code could affect future 4-Point Inspections ✔️ Common maintenance mistakes homeowners make ✔️ The biggest mistakes buyers and sellers make during real estate transactions Plus, Eric answers frequently asked questions including: • How long does a home inspection take? • Should buyers attend the inspection? • When will inspection reports be delivered? • What maintenance items should every homeowner check right now? Whether you're buying your first home, preparing to sell, shopping for insurance, or simply want to better understand how to protect your property, this episode provides valuable insight into the future of homeownership in Florida. 📞 Connect with Eric George & Bay Life Home Inspections Phone: (813) 732-0836 Email: Baylifehi@gmail.com Website: www.baylifehomeinspections.com 🎙️ About Tampa Home Talk Hosted by Katrina Madewell, Tampa Home Talk delivers expert insights on real estate, homeownership, insurance, financing, home maintenance, and everything affecting Tampa Bay homeowners. Subscribe for more episodes featuring local experts, industry professionals, and timely conversations that help you love where you live. #TampaHomeTalk #HomeInspection #BayLifeHomeInspections #FloridaRealEstate #BuildingCodes #2026BuildingCode #HomeInsurance #WindMitigation #FourPointInspection #FloridaHomes #HomeBuyingTips #TampaBayRealEstate #HomeMaintenance #RealEstatePodcast #Homeowners | — | ||||||
| 6/3/26 | ![]() Deferred Home Maintenance Part 2 | Many homeowners don't realize that the biggest repair bills often start with the smallest maintenance issues. In this episode of Tampa Home Talk, Katrina Madewell is joined by Adam Boudreau of Tactical Roofing & Construction to discuss the costly consequences of deferred home maintenance and the simple steps homeowners can take to protect their investment. From HVAC systems and water heaters to plumbing leaks, roofing concerns, and routine inspections, Katrina and Adam break down the maintenance items that are most commonly overlooked—and how neglecting them can lead to expensive repairs, insurance claims, and unnecessary stress. They also discuss practical homeowner tips, preventative maintenance schedules, contractor selection, and why regular inspections are more important than ever. Whether you've owned your home for years, recently purchased a property, or are preparing to sell, this episode provides valuable insights that can help you avoid costly surprises and extend the life of your home's major systems. Topics include: • HVAC maintenance and annual servicing • Water heater care and lifespan tips • Plumbing leaks and hidden water damage • Roof inspections and common warning signs • Preventative maintenance strategies • Contractor selection and homeowner education • Protecting your home's value over time If you own a home, this is information you can't afford to ignore. Connect with Katrina Madewell: 📞 813-377-2775 🌐 TampaHomeTalk.com Love where you live… or we'll help fix it! | — | ||||||
| 5/5/26 | ![]() Tampa Bay Real Estate Market Update | Quarter 1 2026 Breakdown with Katrina Madewell | What's really happening in the Tampa Bay housing market right now? Is it a buyer's market, seller's market, or something in between? In this data-packed episode of Tampa Home Talk, Katrina Madewell breaks down the real numbers behind Tampa Bay real estate for Quarter 1 of 2026 using current market statistics across Hillsborough, Pasco, Pinellas, and Hernando counties. From home prices and inventory levels to absorption rates, short sales, pricing strategies, and luxury market trends, Katrina explains what the data actually means for buyers, sellers, investors, and homeowners in today's shifting market. Whether you're thinking about selling, buying, relocating, investing, or simply trying to understand where the Tampa market is headed, this episode gives you the insight most consumers never hear explained clearly. Topics Covered: • Tampa Bay real estate market update for Q1 2026 • Median home prices and average sales prices explained • Why homes are taking longer to sell • Current absorption rate and what it means • Seller's market vs buyer's market explained simply • Why pricing strategy matters more than ever • Inventory trends across Tampa Bay • Cash buyers vs financed buyers • How long homes are sitting on the market • Luxury home market trends over $1 million • Why some sellers are facing short sales in 2026 • Hyper-local pricing strategy tips from a top Tampa Realtor • What homeowners need to know before listing Katrina also explains how experienced agents use real market data, not guesswork, to strategically price homes and position sellers for success in today's evolving market. If you want a personalized market analysis for your specific neighborhood or property, reach out directly to The Madewell Group. 📞 Call or Text: 813-377-2775 📍 Tampa Bay Real Estate Expert 🎙 Hosted by Katrina Madewell | Tampa Home Talk Remember: Love where you live… or let Katrina fix it. | — | ||||||
| 4/17/26 | ![]() 4-Point Inspections vs Home Inspections: What Actually Matters (and What Doesn't)✨ | 4-point inspectionhome inspection+5 | Dr. Adam Boudreaux | Tactical Construction GroupTactical Roofing Company | Tampa BayFlorida | 4-point inspectionhome inspection+5 | — | 26m 26s | |
| 4/3/26 | ![]() The Hidden Risks of Marketing a Property as an Airbnb (When It's Not Allowed) | Tampa Home Talk✨ | short-term rentalsreal estate risks+4 | Danielle Evans | Gateway Appraisal Services | Tampa BayTampa | Airbnbshort-term rental+6 | — | 39m 05s | |
| 2/17/26 | ![]() The Secret to Hassle-Free Rental Investing✨ | rental investingproperty management+3 | Carter Metts | Purple Cow Property Management | Tampa BayFlorida | rental propertiesproperty manager+3 | — | 57m 45s | |
| 2/10/26 | ![]() A Roofing Reality Check✨ | real estateroofing+3 | Matt Lentz | The Roofing Company of Tampa Bay | Tampa BayFlorida | roofinghomeowner+5 | — | 55m 36s | |
| 2/3/26 | ![]() Tampa Bay housing market year in review 2026✨ | real estatemarket trends+3 | — | — | Tampa Bay | Tampa Bayhousing market+3 | — | 34m 29s | |
| 2/3/26 | ![]() The Truth About Home Inspections: Red Flags, Roofs, HVAC, and New Construction✨ | home inspectionsmaintenance+4 | Corey Richardson | Safeline Home Inspections | — | home inspectionGFCI outlets+5 | — | 43m 13s | |
| 1/27/26 | ![]() Gasparilla Isn't Just a Parade: Inside Tampa's Pirate Krewes & Community Impact✨ | GasparillaTampa traditions+3 | — | Gasparilla Pirate FestivalTampa | — | GasparillaTampa+5 | — | 55m 02s | |
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| 1/20/26 | ![]() Florida Property Taxes Explained✨ | Florida property taxesGovernor Ron DeSantis proposal+5 | Mike FasanoTim Coet | Save Our HomesDMVs | Florida | Florida property taxeshomesteaded properties+5 | — | 35m 15s | |
| 1/13/26 | ![]() Government-Looking Scams in Florida: DMV Texts, Deed Fraud Alerts, Squatters, Title Fraud & Homestead Penalties✨ | scamsreal estate+4 | Mike FasanoTim Coet | Florida DMV | FloridaTampa Bay | scammersDMV texts+6 | — | 39m 58s | |
| 1/6/26 | ![]() Updates on Property Taxes, Upcoming Legislative Session, Homestead Exemption, Property Fraud Alerts✨ | property taxeslegislative session+4 | Jenny Restrepo | Insured Title Agency | FloridaTallahassee | property taxesFlorida homeowners+5 | — | 52m 42s | |
| 12/30/25 | ![]() Tampa Bay Real Estate Market Update – November 2025 | Tampa Home Talk is back with a clear, data-driven November 2025 market update for the Greater Tampa Bay area — and host Katrina Madewell cuts through the noise to tell you what's actually happening (not the fear-based headlines). In this episode, Katrina breaks down real numbers from Florida Realtors® across Hillsborough, Pasco, Pinellas, and Hernando Counties, covering both single-family homes and the condo & townhome market — with plain-English explanations you can actually use. You'll learn: Why Tampa Bay is still in a seller's market for single-family homes (yes, really) What a 3.8-month supply means for sellers and buyers heading into 2026 Where most homes are selling — and which price ranges are slowing Why cash buyers are declining, but not disappearing How long homes are really taking to go under contract and close The truth behind foreclosure headlines — and why the "sky is falling" narrative is misleading Why condos and townhomes have shifted into a balanced market How recent condo legislation continues to impact pricing, inventory, and buyer behavior Katrina also explains why real estate is hyper-local, how market conditions vary neighborhood by neighborhood, and why relying on national headlines can cost homeowners real money. If you're thinking about selling, buying, investing, or simply staying informed, this episode gives you accurate, local insight you won't find anywhere else. 📞 Want numbers specific to your home or community? Call or text Katrina Madewell at 813-377-2775 for a personalized market analysis. Tampa Home Talk — Love where you live… or we'll fix it. Welcome home. | — | ||||||
| 12/16/25 | ![]() Wonderland of Lights Holiday Special | It's the most magical time of the year on Tampa Home Talk, and host Katrina Madewell is bringing you a festive holiday edition you won't want to miss! In this special episode, Katrina welcomes back Tammy Peters, founder of North Pole Productions, celebrating 25 years of producing unforgettable Christmas experiences across Central Florida. From its beloved roots at the Florida State Fairgrounds to its spectacular new home in Auburndale, the Wonderland of Lights has grown bigger, brighter, and more immersive than ever. Tammy pulls back the curtain on what it really takes to create a world-class holiday light show revealing the year-round planning, the rotation of 40-50% of displays annually, and the magic behind more than 1.35 million lights, animated scenes, and synchronized music. 🎄 What you'll learn in this episode: What to expect when you arrive at the Wonderland of Lights How long to plan for your visit (and the best time to go) Details on the drive-through light show, dedicated Christmas radio station, and expanded attractions Information on the circus tent, petting zoo, Animals of Bethlehem, and Wolves of the World experience Why every year delivers a completely new experience for returning visitors 📍 Event Details: Location: 1052 US-92, Auburndale, FL Dates: Open nightly December 18 – December 28 Hours: 6:00 PM – 9:00 PM Website: thewonderlandoflights.com Drive-Through Tickets: $30 online $25 cash at the gate 🎁 $5 OFF when you mention Katrina Madewell or Tampa Home Talk Online promo code: THANKKATRINA Whether you're planning a family tradition, a date night, or a festive outing with friends, this episode gives you everything you need to know to make the most of this holiday season. ✨ Listen now, share with a friend, and go experience the magic for yourself. Because at Tampa Home Talk, we believe you should love where you live—or we'll fix it. 🎄 Merry Christmas from Tampa Home Talk! | — | ||||||
| 11/25/25 | ![]() Inside Mike's Weather Page: Hurricanes, Spaghetti Models & Storm-Chasing Truths | What happens when a self-proclaimed "weather nerd" accidentally builds one of the most trusted hurricane pages on the internet? In this episode of Tampa Home Talk, host Katrina Madewell sits down with Mike Boylan, creator of Mike's Weather Page, to talk about hurricanes, storm surge, spaghetti models, and how he became a full-time weather powerhouse. Mike shares how a few HTML lessons and the crazy 2004 hurricane season turned into a one-stop shop for hurricane graphics loved by NASA staff, meteorologists, and millions of everyday Floridians. They dive into: Why spaghetti models matter and which ones Mike actually trusts How storms like Ian and Helene surprised even seasoned forecasters The real difference between category and impact (and why storm surge is so deadly) How AI models like Google's DeepMind are changing hurricane forecasting Florida's evolving evacuation strategies, drought, wildfire risk, and what "Bermuda High" really means The truth about cloud seeding, contrails, and that new Florida weather manipulation law Building a massive online following, handling haters, and storm chasing in his fully kitted-out truck If you live in Florida (or any hurricane-prone coast), this episode will help you understand the storms you're watching and why having reliable, down-to-earth voices like Mike's matters more than ever. 🎧 Listen now and be more prepared for the next storm before the cone shifts. | — | ||||||
| 11/11/25 | ![]() GLP-1s, Ozempic & Real-World Weight Loss | GLP-1s, Ozempic & Real-World Weight Loss—What Really Works Katrina welcomes Stephanie Moore, APRN (Dr. Pacholok Wellness & Weight Loss Center) to break down GLP-1 vs dual incretin meds, how to avoid muscle loss, why protein timing is everything, and root-cause fixes for menopause, insulin resistance, and thyroid. Plus: practical movement, smart food swaps, and skin tightening options after big losses. Why GLP-1s are everywhere (and what they actually do) GLP-1 vs GLP-1/GIP (dual incretin) explained simply Side effects: why most are behavior-driven—and how to avoid them Protein timing to protect muscle & boost metabolism "Breakfast of champions" shake blueprint Menopause, insulin resistance & rapid regain risk Thyroid done right: TSH vs T3/T4 & real-world symptoms Supplements that matter (CoQ10, ALA, resveratrol, NAD+) Movement made easy: walking, chair yoga, 4D vibration plates Loose skin: slow loss, muscle, and non-invasive tightening Three simple changes to start today Disclaimer: Educational only, not medical advice. | — | ||||||
| 11/4/25 | ![]() Pasco Growth Playbook: Grants, Roads, Jobs & Housing — Commissioner Kathryn Starkey tells all | Pasco County is getting $580+ million in CDBG-DR funds for hurricane recovery and long-term resilience — but who qualifies, how do you apply, and where is the money going? Commissioner Kathryn Starkey joins Katrina on Tampa Home Talk to break it all down: homeowner reimbursements, repairs/elevations, voluntary buyouts, small-business help, and infrastructure projects. We also cover the Pasco Comprehensive Plan (growth, tree canopy, lot sizes), 54/41 flyover timing, micro-transit pilots, connected trail network (Orange Belt & Coast-to-Coast), Ridge Rd extension, and the latest on jobs & economic development (Moffitt/Angeline, workforce housing, AMskills). Key takeaways CDBG-DR relief ($580M): reimbursement for storm damage (Idalia, Helene, Milton), repairs/elevations, buyouts, blight cleanup, business support; income & duplication-of-benefits rules apply. Eligibility notes: primary residence at time of damage; up to 80% AMI (e.g., 4-person household threshold ≈ $83,450); taxes/mortgage current or on a plan; flood insurance may be required. Public info sessions (6:00 pm unless noted): Nov 18 (J. Ben Harrill Rec, Holiday), Nov 19 (West Pasco Gov Center), Nov 20 (Veterans Memorial Park), Nov 22 (Alice Hall, Zephyrhills), Nov 24 (Historic Courthouse), Nov 25 Land O' Lakes (6:30 pm). Comp Plan updates: better growth patterns, more tree preservation & canopy, larger minimum lot standards moving forward. Transportation: 54/41 flyover (FDOT now planning US-41 over SR-54), new east-west connectors (Rangeland), possible Suncoast connections, micro-transit pilots. Trails & parks: Orange Belt Trail build-out; bike overpasses at SR-52 and SR-54; future 200-acre bike park concept in the east side. Housing & ADUs: countywide accessory dwelling unit ordinance (size/parking/setbacks matter); push for workforce & senior housing. Economic development: manufacturing & defense-related growth; workforce training with AMskills; business relief where revenue was impacted by storms. | — | ||||||
| 10/28/25 | ![]() Smarter, Cleaner, and More Efficient: How Pentair Is Transforming the Pool Industry | Love your pool—but not the bills or the maintenance? In this Tampa Home Talk episode, Katrina sits down with 40-year pool veteran Scott Kondor and Wesley Chapel pro Luis Jimenez (Pinnacle Pool & Spa) to unpack what actually saves money and time in 2025. We cover: Salt vs. chlorine: what a "salt pool" really is, how conversion works, and why skin & hair thank you Automation & apps: set-and-forget chemistry, smart controls, and Alexa/Google integrations Variable-speed pumps: the single upgrade that often saves homeowners hundreds per year Lighting & UV: long-life LEDs, UV sterilization, and clearer, healthier water Heat reality check: heat pump vs. gas, hybrid modes, and when solar makes sense Maintenance that matters: filters, salt-cell cleaning, weekly testing ("pool school" basics) Avoid costly mistakes: draining hazards (hello, hydrostatic plugs) and unlicensed contractors If you're buying a home with a pool, thinking about upgrades, or just want to run your backyard oasis like a pro—this one's for you. | — | ||||||
| 10/21/25 | ![]() Bikes For Christ: How One Bike Changes a Life | Tampa Home Talk w/ Pat Simmons | "Welcome home—this is Tampa Home Talk." Today, Katrina sits down with Pat Simmons, founder of Bikes For Christ, a Tampa Bay nonprofit using bicycles to unlock opportunity for veterans, students, foster youth, and neighbors rebuilding after hardship. Pat shares how a life-changing mission trip led to a movement: 10 years, 150+ partner agencies, international missions (Guatemala, Haiti, Liberia, Malawi), and thousands of stories where transportation becomes transformation. You'll hear how a donated bike slashes commute time, reduces costs, supports mental health, and gets people to work, school, medical appointments, and community—with dignity. We cover: The moment that sparked Bikes For Christ (and why transportation is the missing link) How schools, employers, and case managers request bikes Why men's 26" bikes are the #1 donation need Veterans & PTSD: freedom, movement, and purpose Funding realities, grant writing, and how local businesses can help Global impact: how just 10 bikes helped plant churches & reach 13,000 people The annual Backpack Hero event & Bicycles & Holiday Bells fundraiser Volunteer roles beyond mechanics (events, chambers, outreach, grants) 👟 Want to help? Donate a bike, give funds, or volunteer your skills. Even $20–$50 buys parts and tools that put someone back in motion. If this episode moves you, share it with a friend, subscribe, and leave a review—it helps more listeners discover community stories that matter. | — | ||||||
| 10/14/25 | ![]() 10 Smart HOA Questions to Ask Your Attorney (with HOA Expert George Root) | Welcome home to Tampa Home Talk! I'm your host, Katrina Madewell, joined by HOA attorney George Root of Stockholm Law Group to unpack the 10 smartest questions every board member, community manager, and condo/HOA homeowner should ask their lawyer. We cover today's hottest pain points—records requests and penalties, architectural disputes, street parking and commercial vehicles, emotional support animals vs. service animals, selective enforcement, board training requirements, insurance & D&O, milestone/SIRS reserve studies after Surfside, special assessments and financing, and when (and how) to amend your governing docs. If you serve on a board (or live in a deed-restricted community), this episode will help you reduce risk, defuse conflict, and protect property values with practical, legally sound steps. Featuring candid stories from real Florida communities, we talk about what boards should—and absolutely should not—do, how to calm hostile meetings, when to mediate, how to avoid selective enforcement traps, and the common insurance blind spots that put volunteers at risk. Plus, we dig into parking realities on public vs. private streets, Kaufman language, what "habitable stories" means for inspections, and why a quick consult with the right attorney up front often saves months of costly litigation later. If your community needs sharper legal coaching, records readiness, policy updates, or board training, connect with Stockholm Law Group and tell them Tampa Home Talk sent you. | — | ||||||
| 10/7/25 | ![]() Seawall Survival & Foundation Fixes in Tampa Bay | FEMA 50% Rule, Costs, & Real Fixes | Welcome home—this is Tampa Home Talk with host Katrina Madewell. Today's deep-dive is for every Florida waterfront and coastal homeowner worried about cracking caps, sinking pavers, or a seawall that's starting to lean. Our guest is Ken Bronlick of Groundworks—a U.S. Marine Corps veteran and patent holder for an innovative seawall stabilization system that restores the backfill zone with single-component polyurethane resin, adds dewatering channels, and uses jet filters to balance hydrostatic pressure without washing out soil. We also hit the FEMA 50% rule, foundation settlement, helical tiebacks, corrosion inhibitors approved in U.S. Army Corps guide specs, realistic cost ranges, and the early warning signs your seawall is in trouble. What you'll learn Why traditional "pump it full of concrete" often makes failures worse How resin injections + jet filters re-establish shear strength and relieve pressure The simple homeowner checks: barnacles on weep holes, soil piles at joints, cap cracks that line up with panels, yellowing sod/depressions, sinking pavers When repair buys time vs. when replacement is unavoidable Realistic costs: repair vs. full replacement—and how fast emergency shoring can happen Foundation fixes beyond seawalls: helical/piers, carbon fiber wraps, corrosion inhibitors FEMA 50% basics for flooded homes (what's realistic and who actually raises structures) Need help or an intro? Call or text our studio concierge: 813-377-2775. We'll connect you with Ken/Groundworks. Chapters Welcome & why seawalls are failing faster today Groundworks overview & engineering bench The problem with heavy slurry & why resin works Jet filters & dewatering channels (plain-English) What seawalls should last vs. what we see now Early warning signs homeowners miss Post-storm failures: what those big holes really mean Cost ranges: repair vs. replacement (+ emergency triage) Helical tiebacks, anchors & when we say "replace" Concrete corrosion inhibitors (Army Corps spec) FEMA 50% rule realities in Tampa Bay Foundation settlement & "Swiss cheese" soils How to get help + wrap | — | ||||||
| 9/30/25 | ![]() What's Really in Your Water? Hidden Contaminants in Tampa's Drinking Supply | Are you sure your tap water is safe? In this eye-opening episode of Tampa Home Talk, host Katrina Madewell sits down with Brian Boyce of Water Purification Solutions to uncover the shocking truth about what's really in Hillsborough County's drinking water. From arsenic and chlorine to PFAS "forever chemicals", you'll learn why standard municipal treatment isn't enough—and what you can do to protect your home and family. Brian explains the difference between whole-house filtration, reverse osmosis, and UV purification, how contaminants like lead and microplastics affect your skin and health, and why water testing should be part of every homeowner's maintenance plan. 👉 Mention Tampa Home Talk for 10 % off your water test and filtration system! 📞 Call or text 813-377-2775 with keyword WATER for details. 🎧 Listen, learn, and take the first step toward cleaner, safer water in your home. | — | ||||||
| 9/23/25 | ![]() Paint Secrets That Sell Houses w/ The Wall Wizard | Painting is the most affordable way to transform a home—if you do it right. On this episode of Tampa Home Talk, Katrina Madewell sits down with Brian Santos, a.k.a. The Wall Wizard (author, HGTV alum, and technical director at Fresh Coat Painters), to unpack the paint science, prep, and pro tricks that actually matter in Florida's climate. We cover why prep beats product, when DIY is fine (and when to hire out), the truth about "paint + primer," best-in-class interior/exterior finishes, 2025 color trends (1920s + 1970s mashup, jewel tones, warm sages), wallpaper's comeback (peel-and-stick done right), faux textures, what to know before painting kitchen cabinets, low/zero VOC choices, lighting that makes colors sing, and curb-appeal palettes that help homes sell faster. Plus: how often real people repaint (and why), why builders' basic paint fails, the right way to switch colors, and smart maintenance cycles for long-term value. Subscribe for more Tampa market & home-improvement intel. Love where you live—or we'll help you fix it! | — | ||||||
| 9/16/25 | ![]() Florida Home Insurance 2025: What's Really Changing + Smarter Ways to Save | Florida insurance has been a rollercoaster. Today we dig into what actually changed for 2025—and where homeowners and investors can still save—without getting burned by the fine print. In this episode with Adam Tally (Tally Insurance): Which carriers are back and why some premiums have flattened or dipped Reinsurance 101 (and why Bermuda comes up) ACV roof schedules: how they really pay out Citizens depop & "insurance exchanges" (what you're signing) Short-term rental (Airbnb) coverage vs. long-term rentals Flood vs. wind claims, FEMA basics, and the 30-day wait Auto: why some rates are easing (Travelers, Progressive, Geico) Smart shopping timing & the exact questions to ask your agent Chapters 00:00 Intro & studio catch-up 02:15 State of Florida homeowners market in 2025 06:48 Reinsurance layers & why they matter 10:55 Are premiums really going down? Where—and where not 13:30 New builds vs. older homes: rating differences 16:05 Citizens depop & insurance "exchanges" explained 20:12 ACV roof schedules: what you'll actually get paid 24:00 Short-term rentals: underwriting & cost realities 29:35 Flood vs. wind: claims, FEMA, and timing 33:10 Auto insurance trends: who's competitive now 37:20 How to shop your policy without downgrading coverage 42:10 Local spotlight: Bourbon Ball, Oct 17—Tampa Garden Club 45:45 How to reach us + wrap Need help with insurance or real estate? Call/Text and we'll connect you with our vetted pros. Subscribe for weekly Tampa real-estate + money-smart living updates. | — | ||||||
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