Florida Condo & HOA Guide
Key condo laws, HOA regulations, and reserve study requirements for Florida (FL). Understanding your state's specific rules is essential because they override or supplement your CC&Rs in many situations.
Governing Law
Florida Condominium Act (Chapter 718)
Key Provisions
- Mandatory reserve studies every 10 years (Milestone Inspection requirement post-Surfside)
- Structural Integrity Reserve Study (SIRS) required for buildings 3+ stories, effective 2025
- Reserves cannot be waived for structural components under new laws
- HOA must provide buyers with governing documents within 15 days
- Right of first refusal must be exercised within 45 days
Reserve Study Requirements
Yes — Structural Integrity Reserve Study (SIRS) required for buildings 3+ stories. Full reserve funding required for structural components effective 2025.
Notable Rules & Considerations
- Post-Surfside reforms significantly strengthened reserve and inspection requirements
- Milestone inspections required at 25 years (or 30 years if 3+ miles from coast)
- Board members must complete certified education course
- Bulk buyer/investor restrictions in some communities
Important: This is a general overview of Florida condo laws and is not legal advice. State laws change frequently. Always consult a Florida-licensed attorney for specific legal questions about your HOA or condo association.
Related Guides
Other State Guides
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