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: homeowners insurance
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…
NFIP Expires Dec. 11: What It Means for Tampa Bay Closings
The NFIP's authority ends Dec. 11, 2026. Here's how a lapse can stall Tampa Bay closings in flood zones, and how to…
Cast Iron Pipes in a South Tampa Home: Buy, Fix, or Walk?
Should you buy a South Tampa home with cast iron drain pipes? Yes, in many cases — but only after a camera…
Buying or Selling a Tampa Bay Home Insured by Citizens: Takeout Offers, Eligibility Rules, and What Changes at Closing
What happens to a Citizens insurance policy when a Tampa Bay home sells? Nothing transfers. A Citizens Property Insurance policy covers the…
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 —…
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…
Primary Residence, Second Home, or Investment Property: How Occupancy Classification Changes Your Tampa Bay Mortgage, Taxes, and Insurance
How does occupancy classification affect buying a home in Tampa Bay? The occupancy box you check on a mortgage application — primary…
Buying or Selling a Tampa Bay Home With a Pool: Inspections, Florida’s Barrier Law, Screen Enclosures, and Insurance
What should you check before buying a Tampa Bay home with a pool? Before buying a Tampa Bay home with a pool,…