Hialeah, Miami Springs, and Miami Gardens were largely built between the 1950s and 1970s, when a 100-amp panel was generous. Those same houses now run central air, a dryer, a microwave, an induction range, and increasingly an electric car. The panel did not grow with the house, and it shows.
The first sign is breakers that trip when two big loads run at once, like the AC and the dryer. The second is a panel that is warm to the touch or buzzes. The third is flickering lights when the AC compressor kicks on. The fourth is a panel with no open slots, often with tandem breakers crammed in to make room. The fifth is a recalled brand: Federal Pacific, Zinsco, and some Sylvania panels have known failure modes, and insurers in Florida increasingly refuse to cover homes that still have them.
The sixth sign is simply what you want to add. An EV charger needs a 40 to 60 amp circuit of its own. A new 4-ton AC needs more than the old 2.5-ton did. A kitchen remodel adds three or four dedicated circuits by code. If your panel cannot take them, the upgrade is the first step, not the last.
A panel replacement in Miami-Dade or Broward includes a permit, a coordinated power cut with FPL, and a county inspection. Done by a crew that does them every week, it is usually a one-day job, and it is one of the few home improvements that makes the house safer, more insurable, and more valuable at the same time.