Blog
Notes on insuring property in Downtown Miami
This is where We Insure Downtown Miami writes about what policies actually say, in plain language and with sources named. Posts are written by Romina Saaied, who runs the agency, and every one is reviewed for compliance before it appears here.
What this blog is not
It is not advice about your policy, and reading a post is not a substitute for someone reading your documents. A post describes how something generally works; what your contract says is a separate question with a different answer. Nothing here is legal, tax or investment advice either.
Posts
Flood or water damage? Why the difference decides your claim
A burst pipe is not a flood. The NFIP definition says so in two words, and that is where most denied claims are actually decided.
How the hurricane deductible works on a Florida policy
Your policy has two deductibles. The storm decides which one applies, and the hurricane one is a percentage that grows on its own.
How to find where your condo policy has to start
Every building draws the line between the association's policy and yours in a different place. Here is which documents say where, and how to get them.
Switching auto insurers in Florida and what it costs you
If you cancel a Florida auto policy, the insurer may keep part of the unearned premium. If it cancels, it may not. That asymmetry is in the statute.
Switching home insurers in Florida without a gap
Florida gives you 120 days of warning before a residential policy is dropped, and 45 before the renewal price. The process fits in that window.
What a Miami remodel can cost you in insurance
A finished remodel looks like an improvement. To your policy it is a property that changed, and a policy that was never told about it.
What a wind mitigation inspection changes on your Florida policy
Florida law requires insurers to price wind mitigation features into their rates. One state form decides whether yours are on the record.
What no-fault actually means after a crash in Florida
No-fault does not mean nobody is responsible. It means your own policy pays first, on a clock, whoever caused the crash.
What you gain and lose by putting home and auto together
Bundling is sold as a discount. In Florida it also changes how your deductibles interact and what happens when one policy goes wrong.
When a contract decides your business insurance limits
Most Brickell businesses buy a commercial umbrella because a lease or a client contract told them to. Reading that clause properly is the whole job.
Why foreign property owners in Miami overpay for insurance
Owning in Miami from abroad rarely costs more because you are foreign. It costs more because you are buying without being able to see what you are buying.