After a hurricane, the building’s deductible becomes the owners’ bill. At Kempinski Residences Miami Design District, 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.
Kempinski Residences Miami Design District: ~132 across two 23 story towers, 64 per tower · six townhomes · 18 guest suites sold to residents only.
The Kempinski Residences Miami Design District dossier holds the developer’s published record. Read it against The Perigon 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.
Kempinski Residences Miami Design District: 3801 and 3883 Biscayne Boulevard, at the gateway to the Design District · bay and skyline views to the east · the site is not waterfront.
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 Kempinski Residences Miami Design District as carried on the live dossier, verified 1 Oct 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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We hold no listings and we are not the developer. Contact the desk at Miami Dossier and we will tell you what applies to your situation, what does not, and where we would not proceed. On this topic that means the document before the opinion. Where a question is legal, tax or structuring, we introduce you to advisers who handle that properly rather than answering it ourselves.
Samuel Strauch is the owner of Metrik Real Estate. His team of agents represents buyers in Miami pre-construction.
A person replies within 24 hours, usually much sooner. On weekends, back on Monday morning.
