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  <title>PART 4: Changes in the Florida Insurance Market in 2026: Roofs, Rates &amp;amp; Coverage | Tampa Home Talk</title>
  <description>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. </description>
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