Tampa Home Talk Radio

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…

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 We discuss how new construction, disappearing wetlands, outdated drainage systems, overwhelmed retention ponds, and Florida's rapidly changing landscape are increasing flood risks—even in areas that have never flooded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…

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 •…

One second, you're driving home like any other day. The next—impact. You're shaken, your adrenaline is racing, and you may not be thinking clearly. Would you know what to do next? In this episode of Tampa Home Talk, Katrina Madewell talks with Mike Hills and Tiffany Firlik of Triton Insurance Agency about five important steps to take after a car accident: • Get yourself safely out of traffic • Be careful about what you say at the scene • Photograph the vehicles, road, damage, and surrounding area • Write down everything you remember while it's fresh • Seek medical attention when needed—even if you think you feel fine Your photos, notes, and statements may become especially important when the insurance company asks you to explain what happened days—or even months—later. This is a must-watch conversation for every driver, especially parents of teens and young adults who may be navigating an accident for the first time. 👍 Like, subscribe, and share this episode with the drivers in your life. Video production…

Property taxes are climbing—but why? In this episode of Tampa Home Talk, we take a closer look at Pasco County's property tax growth and what the numbers really mean for homeowners. Between 2018 and 2025, Pasco County's property tax collections increased approximately 143%, while the county's population grew only 25%. So where did all the additional tax revenue come from? We break down: Why rising property values have dramatically increased taxable value How thousands of new homes, businesses, and commercial developments have expanded the tax base Where your property tax dollars actually go—including schools, public safety, roads, parks, and infrastructure How Florida's Save Our Homes cap protects many homeowners—and why not everyone benefits equally Whether higher tax collections mean local governments actually raised tax rates If you've ever looked at your property tax bill and wondered where your money is going, this episode will help you better understand how Florida's property tax system works and what…

Are you paying too much for homeowners insurance—or worse, risking a denied claim without realizing it? In this episode of Tampa Home Talk, host Katrina Madewell welcomes Mike Hills and Tiffany Firlick of Triton Insurance Agency to uncover what every Florida homeowner, homebuyer, landlord, and real estate investor needs to know about protecting their property. You'll learn: ✅ Why independent insurance agencies often find better coverage and pricing ✅ Homeowners insurance mistakes that can void your policy ✅ Hidden insurance discounts many homeowners never receive ✅ Why changing your home to an LLC or trust requires updating your insurance ✅ Primary residence vs. investment property insurance differences ✅ How insurance companies evaluate your risk and insurance score ✅ Builder's Risk Insurance explained after renovations and storm damage ✅ Umbrella insurance and who actually needs it ✅ What happens if information on your insurance application is incorrect ✅ Florida homeowners insurance tips to help you save…

Can you really get up to $35,000 to help buy a home in Florida? In this episode of Tampa Home Talk, host Katrina Madewell sits down with mortgage expert Sarah Nair from The Mortgage Firm to break down one of Florida's most valuable homebuyer programs—the Florida Hometown Heroes Program. Whether you're a first-time home buyer, a teacher, nurse, firefighter, military member, healthcare worker, childcare professional, or work in many other qualifying occupations, this episode explains how this program could help make homeownership more affordable. You'll learn: ✅ How the Florida Hometown Heroes Program works ✅ Who qualifies in 2026 ✅ How to receive up to $35,000 in down payment assistance ✅ Income limits and occupation requirements ✅ First-time homebuyer rules explained ✅ Military and veteran eligibility ✅ Credit score requirements ✅ How the 0% interest assistance loan works ✅ Common misconceptions that keep buyers from applying ✅ Why this is one of Florida's best homebuyer programs If you've been renting…

Do you think having a will means your family can automatically inherit your home? Think again. In this episode of Tampa Home Talk, host Katrina Madewell sits down with Jennie Restrepo of Insured Title Agency to break down one of the most misunderstood topics in real estate—probate and inherited property in Florida. You'll learn why a will alone may not keep your home out of probate, how remarriage can impact property ownership, what happens when a homeowner passes away, and why title issues can delay or even prevent the sale of inherited real estate. In this episode, we discuss: • What probate actually is (in plain English) • Does a will avoid probate? • How inherited property is transferred • Why title matters after someone passes away • The difference between probate and estate planning • How remarriage affects ownership rights in Florida • What happens when minor children inherit property • Why bank accounts, vehicles, boats, and other titled assets can also require probate • Common mistakes that delay…

Florida homeowners could be facing one of the biggest property tax changes in decades. But what does the proposed Florida Property Tax Amendment actually mean for homeowners, first-time buyers, investors, local governments, and the future of public services? In this episode of Tampa Home Talk, Katrina Madewell sits down with Hillsborough County Property Appraiser Bob Henriquez for an in-depth discussion about the proposed constitutional amendment, how Florida property taxes are calculated, and the potential impact on homeowners across the state. Topics include: How the proposed Florida property tax amendment works Will property taxes actually decrease? The impact on first-time homebuyers Homestead exemption changes explained Why local governments are concerned Police, fire, roads, libraries, and public service funding Property tax "reset" proposals and phased-in increases Guardrails on government spending The future of Florida home affordability What voters should understand before Election Day Whether…

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…

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…

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…

Katrina Madewell sits down with Dr. Adam Boudreaux of Tactical Construction Group and Tactical Roofing Company to break down one of the most misunderstood parts of buying and selling a home: the difference between a 4-point inspection and a full home inspection. They cover what really matters, what gets overstated, how inspections affect insurance and negotiations, and how buyers and sellers can make smarter, less emotional decisions. Topics: The difference between a 4-point inspection and a full home inspection ‣ Why inspection reports often sound more alarming than they are ‣ Which issues are true red flags vs. normal wear and tear ‣ How 4-point findings can affect insurability ‣Common mistakes buyers make after receiving an inspection report ‣ How sellers should handle repair requests strategically ‣When inspection items are being overstated ‣ Why the right professional interpretation matters before making decisions ‣ How to focus on safety, function, and insurance, not panic ‣ Smart ways to negotiate…

Short-term rentals are everywhere in today's market — but are buyers actually protected when they purchase a property under the assumption it can be used as an Airbnb? In this episode, Katrina Madewell sits down with Danielle Evans of Gateway Appraisal Services to unpack one of the most misunderstood risks in Tampa Bay real estate: buying — or marketing — a property as a short-term rental when it simply isn't allowed. What you'll learn: - Why "great Airbnb opportunity" in an MLS listing can be a legal and financial landmine - How HOA rules, city ordinances, and zoning restrictions are three completely different layers — and all three must be verified - Why appraisers like Danielle cannot use STR income in their valuation unless the use is legally permitted - The financial, legal, lending, insurance, and reputation risks buyers and agents face - Real red flags to watch for before you ever make an offer - Actionable steps to protect yourself — in writing Key takeaway: "Don't buy potential income — buy…

Tampa Home Talk is your go-to resource for all things real estate and Tampa Bay living, hosted by Katrina Madewell — a top 5% Tampa Bay Realtor with over two decades of experience in real estate and mortgage lending. Known for her "Love Where You Live Guarantee" and a 90% repeat and referral rate, Katrina is passionate about helping buyers, sellers, and investors make confident, informed decisions in one of Florida's most dynamic markets. In today's episode, Katrina sits down with Carter Metts owner of Purple Cow Proerty Mangement to uncover the secret to hassle-free rental investing. Carter shares expert insights on how working with the right property manager can take the stress out of owning rental properties, maximize your investment returns, and free you up to focus on growing your portfolio. Whether you're a seasoned investor or just getting started in the Tampa Bay rental market, this conversation is packed with practical tips and strategies to help you own more and stress less.

Tampa Home Talk is your go-to resource for all things real estate and Tampa Bay living, hosted by Katrina Madewell — a top 5% Tampa Bay Realtor with over two decades of experience in real estate and mortgage lending. Known for her "Love Where You Live Guarantee" and a 90% repeat and referral rate, Katrina is passionate about helping buyers, sellers, and investors make confident, informed decisions in one of Florida's most dynamic markets. In today's episode, Katrina sits down with Matt Lentz to discuss details every home owner should be aware of and what sets The Roofing Company of Tampa Bay apart from their competitors.

In this episode of Tampa Home Talk, host Katrina Madewell—an experienced real estate professional with over three decades in the Tampa Bay market—takes a deep dive into the 2025 real estate year in review. Katrina breaks down key market statistics, pricing trends, buyer and seller activity, and what shaped the Tampa Bay housing market throughout the year. Whether you bought, sold, or simply watched the market in 2025, this episode offers expert insight into what really happened and what it means moving forward. Love where you live or we'll fix it!

Welcome home to Tampa Home Talk with host Katrina Madewell, and in this episode, we're joined by Corey Richardson of Safeline Home Inspections for a real-world look at what a home inspection actually covers (and what it doesn't). Corey shares how he went from automotive work to inspecting homes, why experience matters, and why "cheap" inspections often cost more later. We break down the most common issues he finds on inspections, like GFCI outlets, small leaks under sinks, clogged AC condensate lines, roof and flashing wear, missing water heater safety piping, and why Florida homes without gutters can end up with avoidable wood rot and damage. We also talk insurance-driven repairs (roofs, water heaters), what a home inspection means as a "snapshot in time," and when you should bring in specialists like roofers, plumbers, HVAC techs, or engineers. If you own a home and haven't checked key maintenance items in years, this episode is your reminder that a proactive inspection can become a budget-friendly roadmap…

Gasparilla is one of Tampa's most iconic traditions, but it's so much more than beads, pirates, and one big parade. In this episode of Tampa Home Talk, we pull back the curtain on Gasparilla Pirate Festival to explore what most people never see: the krewe life, the nonprofit missions, and the year-round work that powers Tampa's legendary pirate season. We talk about how Gasparilla evolved into a multi-month celebration, why many pirate krewes are registered nonprofits, and how these organizations quietly give back to our community through scholarships, charitable donations, environmental efforts, and local outreach. Whether you're a lifelong Tampa native, new to the Bay Area, or someone who's only experienced Gasparilla from the sidewalk, this episode will give you a whole new appreciation for the heart, history, and community impact behind the invasion. 🏴‍☠️ Inside this episode: Why Gasparilla is a season, not a single event What pirate krewes really do the other 11 months of the year How Gasparilla…

Are Florida property taxes on the chopping block and what would really happen if they were eliminated? In this in-depth episode of Tampa Home Talk, host Katrina Madewell sits down with Mike Fasano, Pasco County Tax Collector, and Tim Coet to unpack Governor Ron DeSantis's proposal to eliminate property taxes in Florida and why the conversation is far more complex than a headline or soundbite. Using real tax bills, real numbers, and real-world experience, we break down: Why homesteaded properties only account for ~30% of statewide tax revenue How Save Our Homes, portability, and reassessments actually work Why taxes can triple overnight when a home changes hands The unintended consequences of eliminating property taxes without a replacement plan How first-time homebuyers and seniors on fixed incomes would be impacted What most Floridians don't know about hidden homestead exemptions Why local services law enforcement, fire rescue, DMVs, and tax collector offices—depend on property tax revenue Practical,…

Scammers are getting way too good at making texts, letters, and "official notices" look legitimate, and Floridians are paying the price. In this episode of Tampa Home Talk, Katrina Madewell sits down with Mike Fasano and Tim Coet to break down the most common government-looking scams hitting our community right now, and what to do to protect yourself. We start with a real-world example: a scary "Florida DMV" text that claims you have an outstanding traffic fine, threatens license/registration suspension, and pushes you to click a sketchy link (spoiler: it's not Florida). From there, we unpack the scams we see repeatedly in real estate and public records like "pay for your deed" mailers, fraudulent deed transfers, rental scams tied to vacant homes, and the rise of title and property fraud. You'll also learn about a free tool you can use to protect yourself: signing up for fraud alerts through your county Clerk of Court so you're notified if anything gets recorded in your name. We also cover why homestead…

On this episode of Tampa Home Talk, host Katrina Madewell welcomes back fan-favorite guest Jenny Restrepo of Insured Title Agency—and yes…they accidentally showed up twinning in navy while recording during Hanukkah (a fun, unplanned moment you'll hear right away). Then they get into the real stuff that's impacting Florida homeowners right now: Florida's legislative session + Great American REALTOR® Days (Jan 20–22, Tallahassee): what it is, why advocacy matters, and how Realtors help educate lawmakers on real-world impacts to homeownership. Property taxes in Florida: the current push to eliminate property taxes on primary residences, what people are feeling financially, and why "big swings" in policy can create big unintended consequences. Property Fraud Alert: the free tool every Florida property owner should activate to help protect themselves from deed/title fraud—and why title insurance doesn't protect you from fraud that happens after you buy. Foreclosures in Tampa: why the headlines matter, who may be…

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…

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,…

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…

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…

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;…

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.

"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 &…

Real estate market is still going crazy and the property taxes are still going up! Do not worry, because there will always be a way to solve it and you'll surely have a piece of advise about having a good investment directly from our main host of Tampa Home Talk, Katrina Madewell together with our kind partners Leo Cannyn of Beryl Engineering and Inspections, Adam Talley of Talley Insurance and Pat George.

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,…

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…

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.

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…

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…

Fourteen years ago, Tampa Home Talk launched to help listeners protect credit, live within their means, build wealth, and make smarter real-estate moves. Today, we're pulling back the curtain on a different kind of venue—stadiums and arenas—and the business engine that powers them. Katrina sits down with Tampa local and longtime sports operator Ken Young, who went from selling hot dogs as a teen in Philadelphia to running food service for major arenas, owning multiple minor league baseball teams, and even winning a Calder Cup with the Lightning's AHL affiliate. We talk stadium concessions, premium hospitality, Super Bowl food ops, why beer and hot dogs still rule, and how championship seasons translate to ticketing, merch, and media revenue. Ken shares smart, no-nonsense career advice for young pros (work to learn before you work to earn), plus a candid take on where the Rays should play, fan experience innovations (kids run the bases!), and the post-COVID shift in work ethic. If you love Tampa sports,…

On this episode of Tampa Home Talk, host Katrina Madewell welcomes back Denise Oatley Hall—also known as the Game Changer—for a fascinating and entertaining conversation about hypnosis, comedy, and transformation. From her early years as a professional clown and award-winning performer to becoming a board-certified hypnotist, Denise shares how she helps people overcome fears, kick habits like smoking or sugar cravings, reduce stress, improve sleep, and even use hypnosis for weight loss without injections. We also dive into the fun side of her career: comedy hypnosis shows, sold-out performances across the U.S., and the surprising ways people react under hypnosis. Plus, Denise demonstrates a live hypnosis session in the studio, showing just how powerful this tool can be for creating positive change. Whether you're curious about hypnosis, skeptical about how it works, or looking for new ways to transform your habits, this episode will inspire you to imagine what's possible.

Are Florida homeowners about to stop paying property taxes? In this powerful episode of Tampa Home Talk, host Katrina Madewell is joined by Pasco County Tax Collector Mike Fasano and Tim Coet for a no-holds-barred conversation on Governor Ron DeSantis' proposal to eliminate property taxes. They break down: What eliminating property taxes would really mean for local services (like police, fire, and schools) How first-time homebuyers are struggling with skyrocketing tax bills The hidden dangers of PACE loans and solar financing Why insurance—not taxes—may be the real threat to Florida homeowners How the butterfly effect of policy changes is impacting seniors, condo owners, and working families across the state Smart solutions that could help Florida homeowners without wrecking local budgets 🎧 Plus: Hear real stories of families being priced out of the state, why portability and homestead exemptions matter more than ever, and what you should do if you're thinking about selling your home. If you own property in…

What happens when a Tampa firefighter trades his hose for a pen? Join Tampa Home Talk host Katrina Madewell in this captivating episode as she sits down with Thad Diaz—a 25-year veteran firefighter turned mystery author—for a riveting conversation about creativity, self-publishing, and Tampa's colorful (and shady) history. Thad opens up about his 10-year journey to publishing his first book, the inspirations behind his gritty Cigar City Case Files series—including Tampa Heat, The Gasparilla Job, and King of West Tampa—and how his real-life experiences fighting fires shaped unforgettable characters and high-stakes plots. They discuss: Why writing a book is like firefighting (hint: you just keep showing up) The indie author life: pros, pitfalls, and why he bought back his rights The real Tampa neighborhoods behind the fiction (Drew Park, Ybor, West Tampa) Advice for aspiring authors stuck in the "unfinished manuscript" zone How Gasparilla, the Mob, and West Tampa crime legends inspired his stories Why every…

In this special Community Spotlight episode, we're honored to welcome Captain Jody Louis, U.S. Army Recruiting Company Commander for Tampa. Whether you're a curious high school student, a parent exploring options for your child, or someone considering a second career, this episode is for YOU. 💥 From truth bombs about boot camp, ASVAB scores, and tattoos, to little-known benefits like free college, TRICARE, VA loans, and citizenship support, we talk about it all. You'll learn: What it's really like to join the Army The difference between ROTC, Reserves, and Active Duty What happens if you've had trouble with the law Army jobs in cybersecurity, drones, nursing, mechanics, and more Physical fitness requirements (yes, they've changed!) How joining the military can support your family and career goals We even bust some myths about recruiters and explain how YOU or someone you love can explore a future in the military — risk-free. #GoArmy #TampaHomeTalk #MilitaryCareers #ArmyRecruiter #ArmyBenefits…

Florida homeowners and drivers—there's finally some good news! In this episode of Tampa Home Talk, host Katrina Madewell is joined by Dave Casselwitz of Most Insurance to unpack why insurance rates are actually dropping in 2025 and what that means for your wallet. We cover everything: Why Progressive and other carriers are lowering auto premiums What you need to know before adding teen drivers (and how to save hundreds) The real risks of calling your insurance company with a "what if" question FEMA flood insurance remapping and the 50% rebuild rule Why some homeowners policies may not cover what you think Tips to avoid insurance traps and keep your family protected Whether you're a parent, homeowner, or just trying to cut costs, this episode is packed with expert insights and actionable advice. Plus, hear why Tesla-driving teens might be better than you think—and why everyone is in a flood zone.

In this episode Robert Perez of Family Pest Services discusses common termite issues that hold home sellers up from selling their homes, and what to look for BEFORE you even go on the market.

In this sizzling episode of Tampa Home Talk, Katrina Madewell welcomes retired Tampa firefighter, author, and historian Bill Wade, Director of the Tampa Firefighters Museum. Together, they dive into: Tampa's fire service history and the story behind Fire Station No. 1 (est. 1911) Real stories from a 30+ year firefighting career How the Tampa Firefighters Museum was saved and preserved The evolution of fire safety (and what most people still get wrong) The most common causes of house fires in Tampa Bay — and how to prevent them What you must check in your home today (extension cords, smoke alarms, phone chargers, and more!) Fascinating artifacts like horse-drawn equipment, life nets, and restored fire engines Plus, learn how to visit or host events at the Tampa Firefighters Museum in downtown Tampa! This is a must-listen for Tampa locals, history buffs, homeowners, and anyone interested in fire prevention. 🔥🏠 🎧 Subscribe, listen, and share this episode to help keep your home — and history — safe.

In this inspiring episode of Tampa Home Talk, Katrina Madewell sits down with Karen Mertes, founder of Fulfill Your Destiny, a nonprofit that empowers entrepreneurs recovering from life-altering tragedy. Karen shares her personal story of trauma and transformation—how a sudden event changed everything and led her to create a movement that offers second chances. You'll hear powerful stories of real people who received grants after accidents, illness, or domestic violence — and how they rebuilt their businesses and lives. ✨ Learn how you can get involved, refer someone in need, and support Fulfill Your Destiny's big goals for 2025. 🎧 What You'll Learn: ✔️ How trauma led to Karen's life mission ✔️ Real stories of entrepreneurs who got a second chance ✔️ Who qualifies for help and how it works ✔️ Upcoming ways YOU can support the cause 💙 Let this episode be your reminder: even the worst moments can lead to incredible new beginnings.

Is your Airbnb not getting the bookings you expected? Your pricing might be right, your photos might be beautiful — but if your cleanliness is off, you're leaving money on the table. In this episode of Tampa Home Talk, Katrina Madewell dives into the critical connection between Airbnb cleanliness and profitability. We'll cover: ✅ How cleanliness affects your ratings, reviews, and repeat guests ✅ Real stories of hosts who turned their profits around with better cleaning standards ✅ What guests REALLY notice — and how it influences your revenue ✅ Tips to systematize cleaning and boost 5-star reviews ✅ When to DIY and when to hire a professional cleaning team 💰 Whether you're a seasoned Superhost or just starting out, this episode will help you unlock more bookings, more profit, and better guest experiences. 📌 Don't forget to like, subscribe, and share this with a fellow host!

In Episode 540 of Tampa Home Talk, Katrina Madewell is joined by Sarah Crickey Neher from The Mortgage Firm to uncover some of the biggest opportunities for Florida homebuyers right now. Learn how to unlock up to 5% in down payment assistance through Florida's Hometown Heroes Program, why USDA loans may be easier to qualify for than you think (especially with a simple energy audit), and what first-time buyers need to know about compensating factors and timing their appraisals. 🎯 Whether you're a first-time buyer, seasoned investor, or real estate agent trying to stay ahead of the market, this episode is full of actionable insights! ✔️ What's changing with Florida home loans ✔️ How energy audits can help buyers qualify ✔️ The truth about waiting for lower interest rates ✔️ Why 90% of agents aren't prepared for a balanced market ✔️ Studio Relaunch Party sneak peek – happening June 13th! 📲 Have questions or want to join the show? Visit TampaHomeTalk.com or call (813) 936-2302. #Tampa down payment assistance…

After a six-month hiatus, Tampa Home Talk is officially back—and in this powerful return, Katrina Madewell opens up about the life-changing events that paused the show, including the passing of her husband just 1 day after her 50th birthday. This episode isn't just about grief and resilience—it's packed with value. Katrina breaks down everything you need to know about the current Tampa Bay real estate market, from cash buyer trends to price shifts, absorption rates, and neighborhood-by-neighborhood realities. Whether you're a buyer, seller, or simply navigating life transitions, this episode is filled with raw honesty, expert insight, and a renewed mission to help you love where you live. 🎧 What You'll Hear: Why Katrina took a break—and what's next Real estate data you won't hear in headlines How the Tampa market is changing in 2025 Cash buyer trends and median price shifts What to expect in upcoming episodes 🔔 Subscribe, share, and follow—this show is about to grow in a big way.

What really happens after the sirens fade and the headlines disappear? In this gripping episode of Tampa Home Talk, we're joined by Ryan Anthony Okrasinski, owner of Without a Trace LLC and AllHazardResponse.org, to uncover the hidden world of crime scene cleanup. From biohazards to hoarding, Ryan shares shocking real-life experiences, safety protocols, and how his team restores peace and cleanliness to families in crisis. If you've ever wondered what it takes to handle the aftermath, this is a must-listen.

Feeling sore, stressed, or just stuck in your health journey? Join us on this week's episode of Tampa Home Talk as we explore the powerful benefits of cryotherapy with Jessie Claxton, owner of Cryx Cryotherapy. Discover how this cutting-edge cold therapy can reduce inflammation, boost recovery, improve sleep, and even sharpen your focus. Plus, Danielle Evans and Jennie Restrepo join the conversation to unpack how holistic wellness ties into home, lifestyle, and peace of mind. Whether you're an athlete, weekend warrior, or just curious about the hype—don't miss this chill but powerful episode!