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Max Kozmic

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We were in the path of Hurricane Irma and also witnessed other Hurricanes and storms that came thru the Tampa Bay Area. Many Floridians may decide to move now and it may become a buyers market where you can pick up an under priced home. Contact us for full details and how a home inspection can determine the homes ability to withstand up to 130mph+ winds plus FEMA and flooding info. Homes with Hurricane straps, dimensional shingles, reinforced windows, tree limbs pruned etc. are Hurricane Prepared. A well constructed home will also lower insurance costs. If a home needs the update protection we will negotiate it into any offers. Visit our Web Site
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SELLERS BEWARE - You list your home... you get an acceptable offer...the buyer has a licensed inspector do a report. He says the shingle roof is more than 20 years old. The real estate contract states "sale contingent on buyer financing". The mortgage company requires you to have insurance on the property. The insurer says the current roof is too old to insure. I MAY HAVE THE PERFECT SOLUTION IN THAT CASE. One that may save the deal and a great deal of money and worry.

Ask for Max (727) 399-1347 - It costs you nothing to call...but may cost you big time if you do not. I have been a licensed Realtor for the last 20+ years. Consult with my knowledge.
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Don't Put the Cart Before the Horse
Know How Much You Can Afford

Having a pre-approval letter is much like having the cash. Some of the strongest offers are those with larger down payments.
Unless buyers will be offering all cash, then a preapproval letter from a recognized lender is an absolute must. Sellers don't need to worry that if they accept your offer, you could be turned down for a loan. Also, with a pre-approval letter, you save the headache of viewing homes that are priced higher than your pre-approval. Sellers definitely prefer to negotiate with pre-approved buyers.
Contact your Bank and get the pre approval before you seriously search for homes.
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 New Port Richey, Port Richey, Hudson are all within a 15 minute drive by car or boat. Shopping malls, theatres, restaurants, parks, recreation facilities abound in the area.
 There is a huge assortment of waterfront homes in Hudson, Port Richey and New Port Richey that have direct Gulf access. They come in many sizes and the amenities vary from single level, 2 story and 3 story homes. Some have pools, some have boat lifts, others have floating docks.
 The price ranges are exceptional compared to any other waterfront communities in the State of Florida. You can find many waterfront homes in this area for exceptional prices.
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Flood Damage Vs. Water Damage
There basically are two insurance policies that deal with a homeowner's damage due to water - a flood insurance policy and a homeowners insurance policy.
A homeowners insurance policy doesn't provide coverage for flood damage, but it does provide coverage for many types of water damage to your home. Just the opposite from flood damage.
A few examples of water damage include:
A hailstorm smashes your window, permitting hail or rain free access into your home.
A heavy rain soaks through the roof, allowing water to drip through your attic or ceiling.
A broken water pipe spews water into your home.
A standard flood insurance policy, which is written by the National Flood Insurance Program, provides coverage up to the policy limit for damage caused by flood. The dictionary defines "flood" as a rising and overflowing of a body of water onto normally dry land. For insurance purposes, the word "rising" in this definition is the key to distinguishing flood damage from water damage. Generally, damage caused by water that has been on the ground at some point before damaging your home is considered to be flood damage.
A handful of examples of flood damage include:
A nearby river overflows its banks and washes into your home.
A heavy rain seeps into your basement because the soil can't absorb the water quickly enough
A heavy rain or flash flood causes the hill behind your house to collapse into a mud slide that oozes into your home.
Unlike homeowners insurance, which is a private market, flood insurance is backed by the federal government and run through the Federal Emergency Management Agency.
April 27, 2015
Bill to encourage affordable private alternatives to federal flood insurance
The bill passed in the Senate with unanimous support and was signed into law by Florida Governor Rick Scott. “This bill gives Floridians an affordable option that may keep them in their homes, and empowers homeowners to take control of their flood insurance,”
Under the expanded options, policyholders will be able to choose the amount of coverage they would like to have on their property, such as reducing coverage down to the value of their mortgage or excluding coverage for contents of their structure.
For more information on SB 1094 visit
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Pasco County Florida is just north of Pinellas County. You'll find many inexpensive waterfront communities with a variety of waterfront homes with direct Gulf access. Typical asking prices are much lower than neighboring Pinellas County to the south.
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1995 National and Local Real Estate Marketing.
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Idea in 1983 for kiosk in Mall for playback of real estate videos of homes for sale.
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How time flies
     I put our home for sale in 1983 and had many "just looking" showings, while my wife was pregnant. We had to spruce up the home before each showing and it was a chore. "IDEA" I will fully video tape the inside and outside of the home and offer to show it at my real estate office. If a potential buyer was pre qualified I would then take them on a "serious second showing". It worked.

     In 1983 less than 10% of households had a VCR player. I also marketing to For Sale By Owners and other local home owners.

     It was unique, expensive and very time consuming. I had the service marks SM and trademarks TM to prove to Realtors today, that I began the trend that 25 years later became one of the most widely used marketing plan in real estate.

I still fondly retain the original video recorder that I used. In 1983 it cost over $3500. It was VHS. Today, good digital video recorders can be bought for under $300.
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