◉ FAQ
Insurance questions deserve straight answers.
Start here for general guidance.
FAQ
The questions we would rather answer clearly.
These are general answers, not policy specific advice.
Why use an independent insurance agency?
An independent agency can work with multiple available markets instead of representing only one carrier. The markets available for a specific risk still depend on appointments, state, underwriting and eligibility.
What do I need for a quote?
It depends on the line. Usually we start with the people or property being insured, how the risk is used, current coverage and relevant loss history. A producer will tell you what additional information is needed.
Can Argelio quote or bind my policy?
No. Argelio can educate, explain concepts and help prepare you for a quote. Advice, eligibility, quoting, policy changes and binding stay with a licensed producer.
Who handles my payment?
The carrier shown on your policy handles billing. Use the Payments & Claims page for official links to several common carriers or call RAMCO if you are not sure who your carrier is.
Who decides whether a claim is covered?
The insurance carrier handling the policy evaluates the loss and applies the policy terms. RAMCO and Argelio should not promise claim coverage.
Is flood the same as homeowners insurance?
No. Flood is commonly handled separately from a standard homeowners policy. The exact structure should be reviewed for the property and policy involved.
Do you speak Spanish?
Yes. RAMCO provides bilingual English and Spanish service, and David Llanes and Dayvelis Otero speak Spanish.
Where is RAMCO located?
RAMCO has two Miami locations: 1601 SW 67 Ave, Miami, FL 33155 and 16301 NW 2nd Avenue, Miami, FL 33169.
TALK TO RAMCO
Have a situation that does not fit an FAQ?
Ask Argelio for general education or speak with a licensed producer.