PART 4: Changes in the Florida Insurance Market in 2026: Roofs, Rates & Coverage | Tampa Home Talk
What has changed in Florida's home insurance market in 2026, and when should you ask your agent to review your policy? Katrina Madewell welcomes Mike and Tiffany of Triton Insurance Agency to Tampa Home Talk for a practical conversation about coverage, costs, and choices for Florida homeowners.
They discuss why more insurers are entering the market, how Citizens policyholders are being moved to private companies, and why the lowest premium deserves a closer look. They also explain two options that may come up when insuring an older roof: actual cash value (ACV) coverage and a roof inspection documenting its remaining life. Coverage and eligibility depend on the insurer and policy.
The episode closes with a simple step you can take now: ask your insurance agent for a brief review of your dwelling coverage, belongings, roof terms, discounts, and any changes to your home or household. Business owners can do the same for their buildings, vehicles, and business income coverage.
Tampa Home Talk is hosted by Katrina Madewell of the Madewell Group, a Tampa Bay real estate team with Real Broker LLC. The show helps local homeowners, buyers, and sellers make informed decisions about where they live.
Love where you live—or let Katrina fix it.
26 Aug 2026
Part 3: Think You Don't Need Flood Insurance? The Truth Every Florida Homeowner Should Know | Part 3
Think your home is safe because it isn't in a "high-risk" flood zone? That assumption could cost you everything.
In Part 3 of our flood insurance series, Katrina Madewell sits down with Triton Insurance Agency to uncover what Florida homeowners need to understand before the next major storm. The truth is, every Florida property is located in a flood zone, the real question is whether your lender requires flood insurance.
We discuss how new construction, disappearing wetlands, outdated drainage systems, overwhelmed retention ponds, and Florida's rapidly changing landscape are increasing flood risks—even in areas that have never flooded before.
You'll also learn:
• Why homeowners insurance does not cover rising floodwater
• What living in Flood Zone X really means
• Why a federal NFIP policy may not provide enough coverage to rebuild
• How the NFIP's $250,000 building limit compares with Tampa Bay home values
• Why decades without flooding do not guarantee your home is safe
• How private flood insurance may provide additional protection
• The serious health and safety risks hidden in floodwater
Don't wait until water is approaching your front door to find out what your insurance actually covers. Review your policy, understand your limits, and make sure your protection reflects today's Florida—not the Florida of 30 years ago.
Subscribe to Tampa Home Talk for honest conversations about Florida real estate, insurance, homeownership, finance, and protecting what you've worked hard to build.
Love where you live, or let Katrina fix it!
18 Aug 2026
PART 3: Think You Can't Qualify for a Home? These Loan Options May Surprise You
Many future homeowners quietly count themselves out before they ever speak with a lender.
Maybe their credit score is not perfect. Their debt-to-income ratio feels too high. They do not have a large down payment saved. Or they assume every mortgage follows the same rules.
But the loan program you choose can completely change what is possible.
In Part 3 of this Tampa Home Talk conversation, host Katrina Madewell sits down with mortgage expert Sarah Neher of The Mortgage Firm to uncover home loan options and benefits many buyers never realize exist.
They break down:
• Why VA loans can offer eligible veterans 0% down financing
• How VA loans may allow more flexibility with credit and debt ratios
• Why eligible disabled veterans may be exempt from the VA funding fee
• How FHA loans can help buyers with lower credit scores
• When gift funds may be used toward an FHA down payment
• The difference between VA, FHA and conventional financing
• Why the loan with the lowest down payment is not always the best choice
• How automated underwriting evaluates the complete financial picture
The biggest takeaway? Do not disqualify yourself before an experienced lender reviews your situation. You may have more options, and be closer to homeownership, than you think.
If you are considering buying a home in Tampa Bay or anywhere in Florida, this conversation could change the way you look at financing.
👍 Like this episode, subscribe to Tampa Home Talk and share it with someone who thinks buying a home is out of reach.
Hosted by Katrina Madewell
Guest: Sarah Neher, The Mortgage Firm
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