F.S. § 718.112(2)(g) / § 553.899
CriticalCondo Only
Reserves
Condos with 3+ habitable stories must complete a Structural Integrity Reserve Study (SIRS) and Milestone Inspection by Dec 31, 2025.
Florida HOA Compliance Guide
Updated January 2026
Florida HOA and Condo law underwent major reforms following the Surfside tragedy. HB 1021 and HB 1203 introduced strict reserve requirements, SIRS inspections, and enhanced homeowner protections.
Primary Statutes:Florida Condominium Act (F.S. Ch. 718)Florida Homeowners' Association Act (F.S. Ch. 720)
13Total Rules
6Critical
5Warning
2Info
Categories Covered
reservesdisclosuresenforcementmeetingselectionsgovernancearchitectural
Compliance Rules
Severity:
Type:
Showing 13 of 13 rules
F.S. § 718.112(2)(g)
CriticalCondo Only
Reserves
Condo associations cannot vote to waive or reduce reserves for "structural integrity" components for budgets adopted on or after Dec 31, 2024.
F.S. § 718.111(12)(g)
CriticalCondo Only
Disclosures
Condominium associations with 25 or more units must maintain a website with digital copies of governing documents, budgets, and notices.
F.S. § 720.303(4)(b)
CriticalHOA Only
Disclosures
HOAs with 100 or more parcels must maintain a website with digital copies of governing documents, budgets, and notices.
F.S. § 720.305(2)(b) / § 718.303(3)(b)
CriticalAll Communities
Enforcement
Fines require 14 days written notice and a hearing before an impartial committee (no board members/spouses) before becoming final.
F.S. § 718.112(2)(d)
CriticalCondo Only
Elections
Condo directors must be elected by secret ballot. No proxy voting is allowed for elections.
F.S. § 720.305(2)
WarningHOA Only
Enforcement
HOA fines cannot exceed $100 per violation/$1,000 aggregate unless docs allow more. Fines of $1,000+ MAY become a lien.
F.S. § 718.303(3)
WarningCondo Only
Enforcement
Condo fines cannot exceed $100 per violation/$1,000 aggregate. Fines CANNOT become a lien against a unit.
F.S. § 720.303(2) / § 718.112(2)
WarningAll Communities
Meetings
Notice of all board meetings must be posted 48 hours in advance (conspicuously on property).
F.S. § 718.112(2)(d) / § 720.3033
WarningAll Communities
Governance
New directors must complete a state-approved educational curriculum (AND certify reading docs for Condos) within 90 days of election.
F.S. § 720.3035
WarningHOA Only
Architectural
HOA architectural restrictions must be reasonably applied. Denials must specify the exact rule violated. Docs should specify a review timeline.
F.S. § 720.3075
InfoHOA Only
Governance
HOAs cannot prohibit parking of personal vehicles (including pickup trucks) or work vehicles in driveways, regardless of commercial markings.
F.S. § 720.304 / § 718.113
InfoAll Communities
Governance
Associations must allow display of US, Florida, POW/MIA, and First Responder flags (max 4.5x6 ft).
Want to verify your documents meet these requirements?
Our AI-powered audit tool checks your HOA documents against Florida state law.