I'd be happy to provide some recommendations and suggestions for your situation as a foreign citizen living in Miami.First, it's important to have a good understanding of the local real estate market, including pricing trends and neighborhood dynamics.

Therefore, it is advisable for the client to consult with their CPA to receive personalized guidance tailored to their unique financial situation.

I know I already mentioned this, but @Mordy Chaimovitz...If you can get by with lower cash flow and invest for the long-term generational wealth (aka appreciation) in nice neighborhoods, that is the way to go, but it's tough to get by at times -- at least it is for me.Just know everyone's situation is different, and you should do what is best for your specific circumstances!

(The claim situation)How did the umbrella policy protect you?

If it is, explain your situation and ask to file a complaint.

Other than the fact it's situated around I-44 between St.

You better check out your legal situation, rights and obligations before you make a very expensive mistake!

And which of those is most beneficial given my situation?" 

My guess is that with the recent fire policy changes in CA there are likely caps on the fire payouts and many homeowners will be in the situation of example 2.

Over half of the things you said were literally false accusations based on your emotion on the situation and I’m not entertaining that of course.