Replacement cost is not purchase price
Carriers insure rebuild cost in this county, not what you paid in 2019. Labor, code, and Miami-Dade permitting keep reconstruction high. Underinsuring to win a quote is how coinsurance and short settlements show up after a storm.
Bring the living area, year built, roof year, and a recent four-point if you have it. Guessing square footage from Zillow is how files die at bind.
Roof age is the underwriting
A 15-year shingle roof and a 4-year metal roof are different markets. Permits matter. Miami-Dade code upgrades after a loss are an ordinance-or-law conversation. If you are shopping because a renewal doubled, photos and the roof invoice beat adjectives.
Hurricane deductibles vs. the annual bill
2% vs 5% of Coverage A is a cash decision. On $500,000 dwelling, 5% is $25,000 out of pocket in a named storm. A cheaper annual premium that you cannot fund in September is not cheaper.
Flood is still a separate policy. Residual vs private is a form comparison, not a brand ad. We shop private first.
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