After a hurricane, the building’s deductible becomes the owners’ bill. At Cipriani Residences Miami, one line in your own policy decides how much of it you pay yourself.
This page is a framework. Whether the building suits you is a separate conversation. Contact the desk at Miami Dossier for the current position on any building we cover.
The association insures the structure under a master policy whose windstorm deductible is a percentage of the building’s insured value, so on a large tower it is a large sum. After a storm the association pays the deductible and any uninsured repair, then recovers them from the owners by special assessment, each paying the share the declaration sets.
Cipriani Residences Miami: 397 residences including penthouses with private pools; 10-foot ceilings; floor-to-ceiling sliding glass; terrace access from the living room and primary bedroom of every residence; direct elevator entry in select residences; open kitchens with custom Italian cabinetry; Wolf and Sub-Zero appliance suites; grand stand-alone bathtubs in most primary baths; smart-home infrastructure.
Read it against the Kempinski Residences Miami Design District dossier for the nearest comparison.
Loss assessment coverage is the part of an owner’s HO-6 policy that reimburses an assessment levied after a covered loss. Florida requires every owner’s policy to carry a minimum amount of it. That minimum is small against a deductible share on a waterfront tower, so owners often raise the limit by endorsement.
Cipriani Residences Miami: 1420 South Miami Avenue, Brickell; sweeping views of Biscayne Bay, the Brickell skyline and Coconut Grove.
Some policies cap what they pay toward the master deductible. An assessment for wear, a code upgrade or thin reserves is not a loss assessment at all. Flood follows its own policy.
What is the master windstorm deductible, and against what insured value? What share of common expenses does this residence carry? What limit would match that share? Does the policy pay a deductible assessment in full or under a cap? The desk reads the budget with you and introduces an agent for the policy.
Your share of the building’s deductible is a number. Insure the number, not the minimum.
Developer materials for Cipriani Residences Miami as carried on the live dossier, verified September 2026. Compiled by the desk at Miami Dossier; figures are approximate and the developer’s.
Contact the desk at Miami Dossier for the documents behind this note, read one to one with you and your advisers.
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