Florida Statutes
Plain-language summaries of the Florida statutes condo and HOA boards ask about, framed as starting points to confirm with counsel, never as verified legal citations.
100 articles in this topic
Building-Specific Board Compliance Kit
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Association reserves: how much florida hoas and condos need
Florida condo reserves now require full funding under SB 4-D. See what a reserve study costs, how much to save, and what counts as a special assessment.
How to find the best condo attorney for special assessments
Looking for the best condo association attorney for special assessments in Miami? Here's what to check, what it costs, and questions to ask before you hire.
Capital reserve study: what florida boards need to know
A capital reserve study drives your SIRS and reserve funding. Learn what it covers, what it costs ($3,000-$20,000+), and what Florida law requires.
Condo assessments in Florida: what boards must know
Florida condo assessments explained: regular vs special, SIRS-driven reserve rules under 718.112, deductibility, and what a $12k-$18k reserve study covers.
Condo association reserve studies: what they are, what they cost
A reserve study estimates repair costs for a condo's shared property. Florida law now requires one for buildings 3+ stories. Typical cost: $3,000 to $20,000+.
Condo reserve fund rules in Florida: what boards must know
Florida condos must fully fund reserves for SIRS items starting Dec 31, 2024. Here's what a reserve study covers, what it costs, and how boards budget for it.
Condo reserve funds: what Florida boards must know now
Florida condos need SIRS-backed full reserves by Dec 31, 2024. Learn what a reserve study costs, what it covers, and how boards budget for it.
Condo reserve studies: what florida boards must know
A reserve study prices out every major component so your board funds repairs, not surprises. Florida law now requires them. Costs, rules, and deadlines explained.
Condo reserve study: what Florida boards must know
A condo reserve study drives Florida's SIRS math and reserve funding. Costs run $3,000 to $20,000+. Here's what it covers and when you need one.
Condo reserve study software: what it does and what it costs
Reserve study software runs the math; a licensed provider still signs it. Florida SIRS costs $8,000 to $30,000+. See what tools help and what they can't do.
Condo special assessment law in Florida: what boards must know
Florida condo special assessment law explained: notice rules, reserve mandates under 718.112, SIRS costs, and whether assessments are tax deductible.
Condo special assessment payment plans in Florida
How Florida condo special assessment payment plans work, what boards must offer, tax rules, and how to negotiate terms. Statutes cited, current as of 2026.
Florida condo special assessment rules, explained for boards
How Florida condo special assessments work under ch. 718, when boards can levy one without a vote, and what owners can and can't do about it.
Condo turnover report: what it is and what boards must do
A condo turnover report shifts control from developer to owners. Florida law (F.S. 718.301, 718.616) sets deadlines, documents, and financial audits required.
Condo reserve fund requirements: what Florida boards must fund
Florida condos must fully fund reserves for structural components since 2024. Here's what SIRS requires, what a reserve study costs, and how to plan.
Condominium reserve funds: what Florida boards must know
Florida condos can no longer waive structural reserves. Here's how reserve studies work, what SIRS requires, and how much boards should actually budget.
Condominium reserve study: what florida boards must know
Florida condo boards must fund reserves at 100% under SIRS rules starting 2025. Here's what a reserve study covers, what it costs, and how to budget for it.
Florida condo board certification requirements explained
Florida law requires new condo board members to certify within 90 days (F.S. 718.112). Here's the form, the deadline, and what happens if you miss it.
Florida HB 913 and the 3-story milestone inspection rule
HB 913 (2024) drops Florida's milestone inspection trigger to buildings 3+ habitable stories. Here's what changed, when it applies, and what boards do next.
Florida milestone inspection statute: what boards must do
Florida's milestone inspection law (F.S. 553.899) requires inspections at 30 years (25 near the coast) and every 10 years after. Here's the full breakdown.
Florida SB 4-D: SIRS and reserve study rules explained
SB 4-D requires SIRS by Dec 31, 2024 and full reserve funding starting 2025. Here's what every Florida condo board must do, and by when.
Florida SIRS statute: requirements, deadlines, and reserve rules
Florida's SIRS law (FS 718.113) requires 30-year milestone inspections for condos 3+ stories and new reserve rules. Deadlines, costs, exemptions explained.
Florida statute 718.112 SIRS reserve study rules explained
Florida statute 718.112(2)(g) sets SIRS rules for condos 3+ stories. What it requires, deadlines, costs, and what boards must reserve for.
Florida's milestone inspection statute, explained for boards
Florida Statute 553.899 requires milestone inspections at 30 years (25 near the coast), then every 10 years. Here's what your board actually has to do.
Free reserve study spreadsheet: what it is and when to use it
A free reserve study spreadsheet can help you budget between studies, but Florida SIRS math requires a licensed professional. Here's the real breakdown.
HOA engineering report: what it is and what it costs
An HOA engineering report explains structural risk and repair costs, often $3,000-$15,000+. Here's what Florida boards actually need and why.
HOA reserve study companies: what they do and cost
HOA reserve study companies typically charge $3,000 to $15,000+. Learn what a reserve study covers, how to pick a provider, and Florida's funding rules.
HOA special assessment insurance: what it covers, what it doesn't
Loss assessment coverage typically caps at $1,000-$50,000 per policy. Learn what HOA special assessment insurance pays for, what it skips, and how to size it.
HOA special assessment rules in Florida: the full guide
Florida gives HOAs wide latitude on special assessments, but condos under Ch. 718 have notice and vote rules. Here's what boards must follow.
HOA reserve study: what it is, what it costs, what's required
A reserve study estimates repair costs for common elements and how much to save. Florida condos over 3 stories must fund reserves under fully starting 2025.
How much does a condo reserve study cost in Florida?
Florida condo reserve studies typically run $3,000 to $20,000+ depending on building size and complexity. See what drives the price and what the law requires.
How much should an HOA have in reserve funds?
There's no flat dollar rule. Florida law now requires funding at 100% of a professional reserve study's schedule. Here's how that math works.
How much should an HOA have in reserves in Florida
There's no single magic number. See how reserve studies, fully-funded targets, and Florida's SIRS law under Ch. 718 shape how much your HOA needs.
Is a condo special assessment tax deductible?
Usually no. Condo special assessments aren't deductible on your federal return unless tied to specific exceptions like casualty losses or a home office. Here's how it works.
Milestone inspection report: what Florida boards must know
A milestone inspection report is the engineer's findings on your building's structural safety. Here's what it must contain, deadlines, and what boards do next.
Milestone inspections in Florida: what boards must know now
Florida milestone inspections are due at 30 years (25 near the coast), then every 10 years. Here's who orders them, what they cost, and what happens if you're late.
Milestone inspections in Palm Beach County: what boards must know
Palm Beach County condo boards: milestone inspection deadlines, phase 1/2 costs, SIRS overlap, and how coastal exposure affects your building's timeline.
NJ HOA reserve law: what boards must fund and disclose
New Jersey has no state-mandated reserve funding formula for HOAs. Here's what the law actually requires, what a reserve study covers, and what boards should budget.
NJ reserve study law: what condo and HOA boards must know
New Jersey has no statewide mandatory reserve study law for condos or HOAs. Here's what NJ boards actually owe under existing statutes, and where FL differs.
Non-SIRS reserves: what Florida boards must fund and why
Florida condos must fully fund reserves for every item on the SIRS list, but non-SIRS components still need a reserve study and board judgment. Here's the breakdown.
Ontario condo reserve fund study components explained
What Ontario's Condo Act requires in a reserve fund study, how much it costs, and how it compares to Florida SIRS. Full component breakdown inside.
Professional reserve study: what florida boards need to know
A professional reserve study drives Florida's SIRS and reserve funding rules. Learn what's required, what it costs, and how to budget for it.
Reserve studies and HOA assessments: what Florida boards owe
What a reserve study covers, what HOA assessments actually are, how much to keep in reserves, and typical costs. Florida statute citations included.
Reserve contribution rules for Florida condos and HOAs
How much your Florida condo or HOA must put into reserves, what SIRS requires under ch. 718, and what a reserve study actually costs in 2025.
Reserve fund best practices every Florida condo board needs
Florida's fully-funded reserve mandate hits Dec 31, 2024. Here's how boards build compliant reserves, read a reserve study, and avoid a surprise assessment.
Florida reserve funds: how much your HOA or condo needs
How much should an HOA or condo have in reserves? Florida law now requires fully-funded reserves for condos 3+ stories. Here's what a reserve study costs and covers.
Reserve study for condo/HOA: what it is, costs, rules
A reserve study estimates repair costs for shared property. Florida condos need one for SIRS; expect $3,000-$20,000+ depending on building size.
Reserve study example: what a real one looks like
See a real reserve study example with line items, funding percentages, and costs. Learn what Florida law requires and what a $199 kit can and can't do.
Reserve study for HOA: what it costs and how much to save
A reserve study for an HOA typically costs $3,000 to $20,000+ and shows exactly how much your association should save. Here's how the numbers work.
Reserve study on condo: what florida boards must know
A reserve study on condo buildings covers structural and useful-life components. Florida requires them 3+ stories; costs run $3,000-$20,000+. Full breakdown.
Reserve study providers for condo associations: what to know
Florida requires reserve studies for condos over 3 stories. Learn what a reserve study costs ($3,000-$15,000+), who can do one, and what the statute requires.
Selling a condo with a special assessment in Florida
Florida law requires sellers to disclose pending special assessments before closing. Here's what buyers, sellers, and boards need to know about price and disclosure.
SIRS in Orlando: Florida's reserve study rules explained
SIRS for Orlando condos: what Florida law requires, what a reserve study costs, how much to reserve, and deadlines under FL Statutes ch. 718.
SIRS requirements in Florida: what condo boards must do
Florida SIRS requirements explained: which buildings need one, what the 13 components cost to inspect, deadlines, and how it drives your reserve budget.
SIRS requirements in Florida: the 2025 board guide
Florida SIRS law explained: which buildings need one, the 13 required components, deadlines, costs ($3,000-$25,000+), and what happens if your board misses it.
Special assessment condo meaning: a Florida board guide
What a special assessment is, why Florida boards levy them under Ch. 718, how reserve studies factor in, and whether owners can deduct them.
Is a condo special assessment tax deductible in Canada?
Special assessments in Canada aren't deductible for personal-use condos, but repair-related portions may be for rental units. Here's how CRA treats each case.
Structural integrity reserve study rules in Brevard County
Brevard County condo boards: what a SIRS covers, who can perform one, costs ($75-$300+/unit), deadlines under FL 718.112, and how reserves get funded.
Structural integrity reserve study Florida statute requirements
Florida law requires condos and many HOAs to fund structural reserves starting 2025. No waivers. Learn what the statute demands and what it costs.
Structural integrity reserve study in Miami: what boards need
Miami condo boards: what a SIRS costs, what it covers, and Florida's 2025 reserve funding rules under F.S. 718.112. Deadlines, thresholds, and next steps.
Structural integrity reserve study for Naples condos
Naples SIRS costs $10,000-$25,000+ for most 3-story buildings. Here's what Florida law requires, what it covers, and how to budget for it.
Florida structural reserve study statute: what boards must do
Florida Statute 718.112 requires SIRS-based reserves with no waivers after 2024. Here's what a reserve study covers, what it costs, and what boards must fund.
What does a special assessment mean in a condo?
A condo special assessment is an extra charge beyond regular dues to cover unbudgeted repairs or reserve shortfalls. Here's how Florida law treats them.
What is a condo reserve study, and what should it cost
A condo reserve study is an engineer's funding plan for major repairs. Florida requires one for SIRS buildings. Typical cost: $3,000 to $20,000+.
What is a condo special assessment in Florida
A condo special assessment is an extra charge beyond regular dues for repairs or reserves. Learn when Florida boards can levy one and how much they run.
What is a reserve study for a condo association
A reserve study estimates repair costs for common elements. Florida law now requires one component-by-component every 10 years for condos 3+ stories.
What is a reserve study for an HOA? Florida guide
A reserve study forecasts repair costs for roofs, paint, and pavement. Florida condos now must fund reserves per statute. Costs, timing, and rules explained.
What is a special assessment in an HOA, explained
A special assessment is an extra fee your HOA charges beyond dues, usually for repairs or shortfalls. Here's how it works, what it costs, and your rights.
What is an hoa special assessment (and how it works)
An HOA special assessment is a one-time charge beyond regular dues, often for repairs or shortfalls. Here's how they're calculated, approved, and paid.
Florida statute on condo reserve studies, explained
Florida law on condo reserves comes from F.S. 718.112, not a separate reserve study statute. Here's what it actually requires, by when, and what it costs.
What is a special assessment in a condo? Florida guide
A special assessment is a one-time charge beyond regular dues. See how Florida condos levy them, average costs, and whether they're tax deductible.
Best condo attorneys for special assessments in WPB
How to pick a condo association attorney in West Palm Beach for special assessments, SIRS, and milestone deadlines. What they cost and what to ask first.
Budgeting and reserve tracking tools for HOA and condo boards
Florida boards need reserve studies, full funding by 2025 for condos 3+ stories, and a tracking system. Here's what actually works and what it costs.
Condo board reserve study providers: how to pick one
Florida SIRS rules make reserve studies mandatory for many condos. Here's what a study costs, who's qualified to do it, and how to vet providers.
Condo milestone inspections: Florida's deadline rules explained
Milestone inspections are due at 30 years (25 near the coast), then every 10 years. Here's what Florida law requires, what it costs, and what boards must do next.
Condo reserve study news: what boards need in 2026
Florida condo reserve studies now cover structural components under SIRS. Here's what changed, what a study costs, and what your board must budget.
Florida condo structural inspection requirements explained
Milestone inspections at 30 years (25 near the coast), then every 10. SIRS covers 13+ components. Here's what Florida law actually requires, cited by statute.
HOA reserve study template: what to include and how to use it
A practical HOA reserve study template with the line items, funding math, and Florida statute cites boards need. See real cost ranges and what to ask a provider.
NJ condo reserve law: what boards must fund and disclose
New Jersey requires condo reserve studies and disclosure but caps no minimum dollar amount. Here's what the law actually says and how to plan around it.
NJ reserve study: what New Jersey HOAs and condos need
New Jersey doesn't mandate reserve studies like Florida, but most lenders and insurers expect one. Here's what a reserve study costs and covers in NJ.
Reserve study company: what Florida boards need to know
How to pick a reserve study company in Florida, what it costs ($3,000-$25,000+), what state law requires, and how it differs from a SIRS.
Reserve study: what florida hoas and condos must fund
A reserve study sets how much your HOA or condo must save. Florida condos owe full funding by Dec 31, 2024 under SIRS. Here's the real math.
Sample reserve study: what florida boards actually need
See what a real Florida reserve study contains, what it costs ($3,000 to $20,000+), and how boards use it to meet SIRS and set assessments.
Best software to track a condo reserve study in Florida
Compare reserve study tracking tools for Florida condo boards, what a reserve study actually costs ($3,000-$25,000+), and how to track SIRS deadlines without paying for software you don't need.
Condo reserve study MN law: what boards must know
Minnesota does not mandate reserve studies for most condos. Here's what MN law actually requires, how it differs from Florida, and how to plan reserves anyway.
Condo reserve study scope and schedule, explained
What a Florida condo reserve study covers, how often it's updated, what it costs, and how SIRS interacts with your full reserve schedule under Chapter 718.
Condo reserve study: what Florida boards must know
Florida SIRS law now requires structural reserve funding at 100% for buildings 3+ stories. Here's what a reserve study covers, costs, and how boards use it.
Fannie Mae condo reserve study: what boards must know
Fannie Mae doesn't require a separate reserve study, but its 10% budget rule and Florida SIRS requirements interact. Here's what boards actually need to file.
Florida milestone inspection statute: what the law says
Florida's milestone inspection law is Fla. Stat. 553.899. Here's what it requires, at what age and height, and where DBPR guidance fills the gaps.
Florida statute 553.899 milestone inspection requirements
Florida statute 553.899 sets milestone inspection timing at 30 years (25 in coastal Miami-Dade/Broward) and every 10 years after. Full breakdown here.
Florida statute 553.899 milestone inspection explained
Florida statute 553.899 sets the 30-year (or 25-year coastal) milestone inspection deadline for 3+ story buildings. Here's what boards must actually do.
Florida reserve study laws for condo associations
Florida Statutes ch. 718 sets the rules for reserve studies, SIRS, and funding. Here's what boards must do, by when, and what it costs.
Florida condo association reserve study rules explained
Florida law under F.S. 718.112 requires structural integrity reserve studies every 10 years for condos 3+ stories. Here's what boards must fund and by when.
RCW condo reserve study rules: what Florida boards need
Searching RCW condo reserve study? That's Washington law. Florida boards follow F.S. 718.112 SIRS rules instead. Here's what applies and what to check.
Reserve study condo news: what Florida boards need in 2026
Florida condos need SIRS-based reserves fully funded by Jan 1, 2026. Here's what a reserve study costs, what it covers, and what's changed recently.
Who can do a reserve study for a florida condo
Florida law doesn't require a licensed engineer for most reserve studies. Here's who can legally do one, what it costs, and when you need a specialist.
Condo reserve fund study Manitoba: what boards must know
Manitoba doesn't mandate condo reserve studies by law, but most lenders and insurers expect one. Here's what a study costs and covers.
The new condo law reserve study rules in Florida, explained
Florida's new condo law requires a reserve study every 10 years and full reserve funding starting in 2025. Here's what boards must do, and by when.
Nevada condo reserve study requirements: what boards must do
Nevada law (NRS 116) requires HOAs to fund reserves per a reserve study every 5 years. Here's what condo boards must know, with Florida ch. 718 comparisons.
Reserve study vs building condition assessment: condo guide
A SIRS reserve study and a milestone building condition assessment are not the same report. Here's what Florida law requires, what each costs, and how they connect.