After a hurricane, the building’s deductible becomes the owners’ bill. At ORA by Casa Tua, 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.
ORA by Casa Tua: 77 storeys rising nearly 1,000 feet; residences from studio to four bedrooms, fully furnished and move in ready; floors 12 to 42 below Bosco and 45 to 74 above; Sky Suites on 74, the Penthouse Collection on 75; pre-construction, selling.
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.
ORA by Casa Tua: 1210 Brickell Avenue, Miami, described by the developer as the centre of Brickell; views of Brickell, Biscayne Bay and Coconut Grove; Metrorail and Metromover Brickell stations nearby.
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 ORA by Casa Tua as carried on the live dossier, verified 27 Sep 2026. Compiled by the desk at Miami Dossier; figures are approximate and the developer’s.
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