Florida HOA & Condo Documents
The Florida library — CC&Rs/Declaration, Bylaws, Articles, Election Rules, and operating policies drafted for Florida's Chapter 720 and Chapter 718 — is in final production now. Join the waitlist and you'll get launch pricing the day it goes live.
Get notified at launch
One email when the Florida library is live, with launch pricing. Nothing else.
Join the Florida waitlist →Florida's framework — the two-statute split
Unlike California's single Davis-Stirling Act, Florida splits community associations across statutes: Chapter 720 (the Homeowners' Association Act) governs HOAs of parcels/lots, while Chapter 718 governs condominiums — with meaningfully different rules on reserves, inspections, state oversight, and disclosure. Buying a "Florida HOA template" that doesn't tell you which chapter it's drafted for is the classic generic-form trap; our Florida sets are chapter-specific, exactly like our California library is Davis-Stirling-specific.
What changed recently — and what our templates will reflect
| Law | What it did | Applies to |
|---|---|---|
| HB 1203 (2024) | The big HOA reform: 7-year record retention; associations with 100+ parcels must post governing documents on a website or app (since Jan 1, 2025); mandatory director education and written certification; criminal penalties for kickbacks and record concealment; strict fine due-process — 14 days' notice of the hearing right, hearing within 90 days, no fine if the violation is cured before the hearing, written findings within 7 days; ARC denials must cite the specific covenant relied on; no authority over interiors not visible from frontage or common areas. | Ch. 720 HOAs |
| HB 983 (2025) | Redefined assessments, modified election and recall procedures, added purchaser disclosures, and created the new recreational-covenant framework (§§ 720.408–720.413) for privately owned amenities. | Ch. 720 HOAs |
| HB 293 | Hurricane-protection rights: associations must approve conforming hurricane protection — impact windows and doors, shutters, ASCE 7-22 roof systems, reinforced garage doors, fixed generators and fuel tanks — and may regulate only style and color. | HOAs & condos |
| SB 4-D / SB 154 (post-Surfside) | Milestone structural inspections for condo buildings 3+ stories at 30 years of age, and Structural Integrity Reserve Studies (SIRS) with funding requirements. These are condominium obligations — Ch. 720 HOAs are not subject to SIRS. | Ch. 718 condos |
| HB 913 (2025) | Condominium reform including mandatory DBPR online registration for condo and co-op associations (by Oct 1, 2025). | Ch. 718/719 |
| HB 657 (2026) | Passed the Florida House in March 2026; as of this writing, verify its final status. If enacted, it would bring major governance changes — expanded electronic balloting, Kaufman-language requirements, HOA termination procedures, and elimination of the presuit mediation requirement. | Ch. 720 HOAs — pending |
Summary for general information as of July 2026 — not legal advice. Verify current status and effective dates for your association.
The planned Florida library
- Florida HOA set (Ch. 720): Declaration of Covenants, Bylaws, Articles of Incorporation, Election & Recall Procedures, Fining & Suspension Policy (with the cure-before-hearing rule built in), Collection Policy, ARC Guidelines with the HB 293 hurricane-protection carve-outs, Records & Website Compliance Checklist, and the Florida How-To Guide.
- Florida Condo set (Ch. 718): Declaration of Condominium, Bylaws, Articles, Election documents, and a Milestone Inspection + SIRS compliance checklist.
Same format as the California library: fully editable Word files, red-bracket fill-in fields, statute-cited, session-tracked with a dated change log, and attorney review recommended before adoption.