+18%
Florida homeowner insurance, 2025
Premium increases continue to flow into condo association budgets — and into dues.
Insurance analysis →Free for condo & HOA buyers · Nationwide
Understand the risks hidden inside your condo or HOA documents.
Upload your condo documents. Get a detailed risk report in minutes — free. Every finding linked to the exact page in your documents.
Most buyers have 7–14 days to review condo documents. Don't spend them reading 200 pages manually.
ElevatedPage-cited
Reserve fund critically underfunded relative to SIRS recommendation
Reserve Study, p. 7 · Operating Budget, line 42
Sample finding
Page-citedUnit 502, 1234 Oceanview Drive
Hollywood, FL — 124-unit, built 1994
Elevated
Reserve Study, p. 7 · Operating Budget, line 42
Reserve fund critically underfunded relative to SIRS recommendation
SIRS recommends $187,000/year. Current budget allocates $94,000 — roughly 50% of the recommendation, making a special assessment in 24–36 months highly likely.
Every finding links to the exact document, page, and quoted text.
Have an attorney read your condo documents and it often runs several hundred dollars and takes days. Other automated review tools typically charge a per-report fee. CondoSignal is free — a full risk report in minutes, every finding linked to the exact page.
Free because vetted condo professionals sponsor reviews. You choose who can contact you, and can opt out anytime.
Which best describes you?
Pick your path — we'll route to the right next step.
Buyers, owners, and board members need different things. Tell us which you are, and the rest of the experience tunes to it.
I'm buying a condo
Run a structured risk review on the property's documents before you sign.
- Reserve study + budget read
- Insurance + assessment exposure
- Buyer-fit checklist
Start my buyer review →
I own a condo
Understand fee changes, insurance renewals, and pending assessments — with page citations.
- Fee + assessment context
- Insurance gap surfaces
- Specialist intros if you need to act
Check my condo's risk →
I serve on a board
Find vetted reserve engineers, HOA lawyers, property managers, and structural consultants.
- Reserve fund engineers
- HOA lawyers + property managers
- Building envelope + restoration
Find vetted specialists →
Built and reviewed by a named founder
Every finding cites the document, page, and quoted text — reviewed against current statute.
Why this matters
6.9%
Reserves at Champlain Towers South at the time of collapse
$706,000 in reserves against a projected $10.3M capital need. The shortfall was visible in the documents years before the failure. The same kind of gap appears in condo packages today — buyers either read for it or they don't.
What SIRS now requires →16,000+
Florida associations now subject to SIRS / Milestone rules
Covering 900,000+ units past 30 years of age, triggering catch-up assessments.
Post-Surfside timeline →How it works
A thorough review of your condo or HOA documents — in minutes, not days.
Upload your documents
Drop your HOA/condo disclosure, reserve study, financials, meeting minutes, and insurance summary. We accept PDFs, images, and most scanned packages.
We extract and score
We read every page and grade risk across eight categories — the same documents always produce the same scores, never a black-box opinion.
You get a report with page citations
Receive a clear report with risk severity, plain-English explanations, and a link back to the exact document and quote behind every finding.
What we check
Eight risk categories, every report.
Reserve fund adequacy
Is the association funding long-term repairs and replacements at a level that prevents owner surprise? We compare reserve study recommendations to actual balances and contributions.
Read more →
Special assessment risk
Are there pending, approved, discussed, or implied assessments — and how large could they be? We surface board-level discussions and historical patterns.
Read more →
Insurance coverage
Master policy limits, deductibles, named-storm and water exclusions, and gaps in coverage that change what your HO-6 policy needs to do.
Read more →
Governance health
Is the board functional? Are minutes being kept? Are there disputes or recall efforts? Are votes documented? Governance failure is a leading indicator.
Read more →
Financial stability
Operating budget, delinquency rate, audit findings, year-over-year fee changes, and capital reserves vs. obligations.
Read more →
Litigation exposure
Pending claims, construction defect actions, developer disputes, and prior settlements that affect ongoing financial stability or buyer financing.
Read more →
Run all 8 risk checks on your own documents — free.
Upload the resale package. We'll deliver the structured review in minutes, with every finding linked to the exact page.
Built for trust
Premium due-diligence software — not a chatbot.
Source citations on every finding
Every risk indicator links back to the exact document, page number, and quoted line. You can verify our work in seconds.
Free with transparent consent — or paid and private
Our free option is supported by limited, opt-in referrals you control. Or pay once for a fully private review with no data sharing.
Consistent, documented analysis
Consistent scoring — same documents always produce the same results. No guesswork, no chat-style answers.
Informational, never legal advice
We surface what your documents actually say so you can ask better questions of your attorney, lender, and inspector.
Documents encrypted on upload (AES-256)Documents deleted after 30 daysYou control which professionals can contact youOpt out of referrals anytime
FAQ
Frequently asked questions
Free tools
Quick checks before you upload anything.
Condo risk quiz
Five questions, no upload. Get a preliminary risk score and a tailored list of what to check next.
Open tool →
Special assessment calculator
Estimate per-unit assessment exposure based on reserves, projected capital need, and funding percentage.
Open tool →
Reserve fund health checker
Get a directional grade for an association's reserves using funding percentage, study age, and deferred items.
Open tool →
Reading
Plain-English guides to what your documents actually say.
The Complete Condo Buying Checklist (2026)
A four-phase due diligence framework — pre-offer through post-closing — covering documents, fees, reserves, insurance, lender requirements, and governance risk.
Read →
How to Read a Reserve Study Before Buying: Is the Funding a Red Flag?
Reserve studies are dense engineering-financial documents. Learn what percent funded and baseline funding mean, how to spot unfunded repairs, and when the numbers are a special-assessment red flag — before you buy.
Read →
Florida Condo Safety Laws 2025: What Each Law Now Requires of Boards
From SB 4-D in 2022 through HB 913 in 2025, Florida rewrote structural safety and reserve funding obligations for condo associations. Identify what each law requires boards to fund, inspect, and disclose.
Read →
Condo Association Fees in 2026: What Is High, What Is Adequate, and Why It Matters
HOA and condo fees vary dramatically across the country. The right question is not whether your fee is high — it is whether it is adequate. Here is how to evaluate it against the reserve study and budget.
Read →
Know what you're buying before you sign.
Upload your documents. We'll produce a structured risk report in minutes — free, with page citations you can verify.