The $10,000 Water Damage Cap on Older Tampa Bay Homes
Tampa Bay homes 40 years or older often carry a $10,000 cap on non-weather water damage, or an exclusion. What it leaves…
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Tag: due diligence
HO-6 Condo Insurance in Tampa Bay: What You Actually Need
In Florida the master policy stops at the drywall. Your HO-6 must cover floors, cabinets, fixtures, contents, and loss assessments. Here is…
Mold Found in a Tampa Bay Home Inspection: Fix, Credit, or Walk?
Mold in a Tampa Bay home inspection: who must test under Florida law, what remediation costs, what insurance covers, and when to…
CLUE Reports and Claims History When Buying or Selling a Tampa Bay Home
What is a CLUE report, and why does it matter when buying or selling a Tampa Bay home? A CLUE report —…
Unpermitted Work and Open Permits on a Tampa Bay Home: How to Find Them, Who Pays, and How to Clear Them Before Closing
Can you sell or buy a Tampa Bay home with open permits or unpermitted work? Yes — but not without dealing with…
Sinkhole Risk When Buying a Tampa Bay Home: Karst Geology, Insurance Coverage, and When to Order a Geotech Inspection
Should you worry about sinkholes when buying a home in Tampa Bay? Some of Tampa Bay sits on karst limestone, so sinkhole…
Reviewing the Seller’s Property Disclosure on a Tampa Bay Luxury Home: What It Must Reveal, Johnson v. Davis Liability, and Red Flags for Buyers
What does Florida’s Seller’s Property Disclosure have to reveal, and what does Johnson v. Davis require? Florida’s Seller’s Property Disclosure is the…
What does your flood zone designation mean when buying a luxury home in Tampa Bay?
Your property’s FEMA flood zone — AE, VE, or X — determines whether flood insurance is mandatory, how much you’ll pay annually,…
New Construction vs. Resale Homes in Tampa Bay: Where to Find Your $750K+ Property in 2026
Should you buy new construction or a resale home in Tampa Bay in 2026 if your budget is $750K+—and where should you…
Why Homebuyers Can’t Rely Solely on FEMA’s Flood Zone Maps in Tampa Bay
For homebuyers in Tampa, St. Petersburg, Clearwater, and across the Gulf Coast, understanding a property’s flood risk is critical. Many buyers assume…