Resources
Condo & HOA resources
A complete index of CondoSignal's state guides, city resources, risk categories, buyer guides, articles, and free tools — organized so you can find what you need in one place.
Use the table of contents below to jump to a section, or scroll to browse everything we publish. Every link below is also in our XML sitemap and reachable from at least one other page on the site.
Free reviews
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Sample reports
- Sample report (overview)
- Sample report — Florida
- Sample report — Texas
- Sample report — Arizona
- Sample report — Colorado
- Sample report — Nevada
- Sample report — Georgia
- Sample report — North Carolina
- Sample report — South Carolina
- Sample report — Oregon
- Sample report — Washington
- Sample report — Massachusetts
- Sample report — Illinois
- Sample report — Pennsylvania
- Sample report — Hawaii
By audience
For owners
Owner help — decode the notice you got
Already own a condo? These guides take the document you just received — a special assessment, an insurance non-renewal, a reserve study, a board dispute — and tell you whether it's normal in your state and what to do next.
Start here
Decode a document
By state
- Florida — Special assessment notice
- Texas — Special assessment notice
- California — Special assessment notice
- Arizona — Special assessment notice
- New York — Special assessment notice
- Colorado — Special assessment notice
- Florida — Insurance non-renewal or spike
- California — Insurance non-renewal or spike
- Texas — Insurance non-renewal or spike
- Arizona — Insurance non-renewal or spike
- New York — Insurance non-renewal or spike
- Colorado — Insurance non-renewal or spike
- Washington — Special assessment notice
- Washington — Insurance non-renewal or spike
- Georgia — Special assessment notice
- Georgia — Insurance non-renewal or spike
- Illinois — Special assessment notice
- Illinois — Insurance non-renewal or spike
- Massachusetts — Special assessment notice
- Massachusetts — Insurance non-renewal or spike
- New Jersey — Special assessment notice
- New Jersey — Insurance non-renewal or spike
- Nevada — Special assessment notice
- Nevada — Insurance non-renewal or spike
- North Carolina — Special assessment notice
- North Carolina — Insurance non-renewal or spike
- Virginia — Special assessment notice
- Virginia — Insurance non-renewal or spike
- Maryland — Special assessment notice
- Maryland — Insurance non-renewal or spike
- Minnesota — Special assessment notice
- Minnesota — Insurance non-renewal or spike
- Tennessee — Special assessment notice
- Tennessee — Insurance non-renewal or spike
- Oregon — Special assessment notice
- Oregon — Insurance non-renewal or spike
- Hawaii — Special assessment notice
- Hawaii — Insurance non-renewal or spike
- Connecticut — Special assessment notice
- Connecticut — Insurance non-renewal or spike
- Delaware — Special assessment notice
- Delaware — Insurance non-renewal or spike
- District of Columbia — Special assessment notice
- District of Columbia — Insurance non-renewal or spike
- Utah — Special assessment notice
- Utah — Insurance non-renewal or spike
- Rhode Island — Special assessment notice
- Rhode Island — Insurance non-renewal or spike
- Alabama — Special assessment notice
- Alabama — Insurance non-renewal or spike
- Alaska — Special assessment notice
- Alaska — Insurance non-renewal or spike
- Maine — Special assessment notice
- Maine — Insurance non-renewal or spike
- Missouri — Special assessment notice
- Missouri — Insurance non-renewal or spike
- Nebraska — Special assessment notice
- Nebraska — Insurance non-renewal or spike
- New Mexico — Special assessment notice
- New Mexico — Insurance non-renewal or spike
- Michigan — Special assessment notice
- Michigan — Insurance non-renewal or spike
- Ohio — Special assessment notice
- Ohio — Insurance non-renewal or spike
- Pennsylvania — Special assessment notice
- Pennsylvania — Insurance non-renewal or spike
- South Carolina — Special assessment notice
- South Carolina — Insurance non-renewal or spike
- Vermont — Special assessment notice
- Vermont — Insurance non-renewal or spike
- West Virginia — Special assessment notice
- West Virginia — Insurance non-renewal or spike
- Florida — Reserve study / underfunding
- Florida — Board dispute / records
- Florida — Thinking of selling
- Texas — Reserve study / underfunding
- Texas — Board dispute / records
- Texas — Thinking of selling
- California — Reserve study / underfunding
- California — Board dispute / records
- California — Thinking of selling
- Arizona — Reserve study / underfunding
- Arizona — Board dispute / records
- Arizona — Thinking of selling
- New York — Reserve study / underfunding
- New York — Board dispute / records
- New York — Thinking of selling
- Colorado — Reserve study / underfunding
- Colorado — Board dispute / records
- Colorado — Thinking of selling
- Washington — Reserve study / underfunding
- Washington — Board dispute / records
- Washington — Thinking of selling
- Georgia — Reserve study / underfunding
- Georgia — Board dispute / records
- Georgia — Thinking of selling
- Illinois — Reserve study / underfunding
- Illinois — Board dispute / records
- Illinois — Thinking of selling
- Massachusetts — Reserve study / underfunding
- Massachusetts — Board dispute / records
- Massachusetts — Thinking of selling
- New Jersey — Reserve study / underfunding
- New Jersey — Board dispute / records
- New Jersey — Thinking of selling
- Nevada — Reserve study / underfunding
- Nevada — Board dispute / records
- Nevada — Thinking of selling
- North Carolina — Reserve study / underfunding
- North Carolina — Board dispute / records
- North Carolina — Thinking of selling
- Virginia — Reserve study / underfunding
- Virginia — Board dispute / records
- Virginia — Thinking of selling
- Maryland — Reserve study / underfunding
- Maryland — Board dispute / records
- Maryland — Thinking of selling
- Minnesota — Reserve study / underfunding
- Minnesota — Board dispute / records
- Minnesota — Thinking of selling
- Tennessee — Reserve study / underfunding
- Tennessee — Board dispute / records
- Tennessee — Thinking of selling
- Oregon — Reserve study / underfunding
- Oregon — Board dispute / records
- Oregon — Thinking of selling
- Hawaii — Reserve study / underfunding
- Hawaii — Board dispute / records
- Hawaii — Thinking of selling
- Connecticut — Reserve study / underfunding
- Connecticut — Board dispute / records
- Connecticut — Thinking of selling
- Delaware — Reserve study / underfunding
- Delaware — Board dispute / records
- Delaware — Thinking of selling
- District of Columbia — Reserve study / underfunding
- District of Columbia — Board dispute / records
- District of Columbia — Thinking of selling
- Utah — Reserve study / underfunding
- Utah — Board dispute / records
- Utah — Thinking of selling
- Rhode Island — Reserve study / underfunding
- Rhode Island — Board dispute / records
- Rhode Island — Thinking of selling
- Alabama — Reserve study / underfunding
- Alabama — Board dispute / records
- Alabama — Thinking of selling
- Alaska — Reserve study / underfunding
- Alaska — Board dispute / records
- Alaska — Thinking of selling
- Maine — Reserve study / underfunding
- Maine — Board dispute / records
- Maine — Thinking of selling
- Missouri — Reserve study / underfunding
- Missouri — Board dispute / records
- Missouri — Thinking of selling
- Nebraska — Reserve study / underfunding
- Nebraska — Board dispute / records
- Nebraska — Thinking of selling
- New Mexico — Reserve study / underfunding
- New Mexico — Board dispute / records
- New Mexico — Thinking of selling
- Michigan — Reserve study / underfunding
- Michigan — Board dispute / records
- Michigan — Thinking of selling
- Ohio — Reserve study / underfunding
- Ohio — Board dispute / records
- Ohio — Thinking of selling
- Pennsylvania — Reserve study / underfunding
- Pennsylvania — Board dispute / records
- Pennsylvania — Thinking of selling
- South Carolina — Reserve study / underfunding
- South Carolina — Board dispute / records
- South Carolina — Thinking of selling
- Vermont — Reserve study / underfunding
- Vermont — Board dispute / records
- Vermont — Thinking of selling
- West Virginia — Reserve study / underfunding
- West Virginia — Board dispute / records
- West Virginia — Thinking of selling
Browse by state
State condo & HOA resources
Each state runs a different rulebook — reserve-funding requirements, disclosure timelines, milestone inspections, insurance carve-outs. The state pages below distill what matters for buyers and owners under each jurisdiction.
Florida
4 cities · 6 risk topics
Texas
4 cities · 6 risk topics
Arizona
3 cities · 6 risk topics
California
3 cities · 6 risk topics
New York
3 cities · 6 risk topics
New Jersey
3 cities · 6 risk topics
Maryland
3 cities · 6 risk topics
Virginia
3 cities · 6 risk topics
Michigan
3 cities · 6 risk topics
Tennessee
3 cities · 6 risk topics
Minnesota
3 cities · 6 risk topics
Connecticut
3 cities · 6 risk topics
Delaware
3 cities · 6 risk topics
District of Columbia
0 cities · 6 risk topics
Utah
3 cities · 6 risk topics
Alaska
3 cities · 6 risk topics
Vermont
3 cities · 6 risk topics
West Virginia
3 cities · 6 risk topics
Nebraska
3 cities · 6 risk topics
Rhode Island
3 cities · 6 risk topics
Colorado
2 cities · 6 risk topics
Nevada
2 cities · 6 risk topics
Georgia
2 cities · 6 risk topics
North Carolina
2 cities · 6 risk topics
South Carolina
2 cities · 6 risk topics
Oregon
2 cities · 6 risk topics
Washington
2 cities · 6 risk topics
Massachusetts
2 cities · 6 risk topics
Illinois
2 cities · 6 risk topics
Pennsylvania
2 cities · 6 risk topics
Hawaii
2 cities · 6 risk topics
Alabama
2 cities · 6 risk topics
Maine
2 cities · 6 risk topics
Missouri
2 cities · 6 risk topics
New Mexico
2 cities · 6 risk topics
Browse by risk topic
Risk categories
Reserve underfunding, special assessments, master-policy gaps, and governance failures are the patterns CondoSignal looks for in every document set. Each topic links to its national guide plus every state-specific variant we cover.
Condo document review
Condo document review (national) →
- Florida
- Texas
- Arizona
- California
- New York
- New Jersey
- Maryland
- Virginia
- Michigan
- Tennessee
- Minnesota
- Connecticut
- Delaware
- District of Columbia
- Utah
- Alaska
- Vermont
- West Virginia
- Nebraska
- Rhode Island
- Colorado
- Nevada
- Georgia
- North Carolina
- South Carolina
- Oregon
- Washington
- Massachusetts
- Illinois
- Pennsylvania
- Hawaii
- Alabama
- Maine
- Missouri
- New Mexico
- Ohio
HOA document review
HOA document review (national) →
- Florida
- Texas
- Arizona
- California
- New York
- New Jersey
- Maryland
- Virginia
- Michigan
- Tennessee
- Minnesota
- Connecticut
- Delaware
- District of Columbia
- Utah
- Alaska
- Vermont
- West Virginia
- Nebraska
- Rhode Island
- Colorado
- Nevada
- Georgia
- North Carolina
- South Carolina
- Oregon
- Washington
- Massachusetts
- Illinois
- Pennsylvania
- Hawaii
- Alabama
- Maine
- Missouri
- New Mexico
- Ohio
Reserve studies
- Florida
- Texas
- Arizona
- California
- New York
- New Jersey
- Maryland
- Virginia
- Michigan
- Tennessee
- Minnesota
- Connecticut
- Delaware
- District of Columbia
- Utah
- Alaska
- Vermont
- West Virginia
- Nebraska
- Rhode Island
- Colorado
- Nevada
- Georgia
- North Carolina
- South Carolina
- Oregon
- Washington
- Massachusetts
- Illinois
- Pennsylvania
- Hawaii
- Alabama
- Maine
- Missouri
- New Mexico
- Ohio
Special assessments
Special assessments (national) →
- Florida
- Texas
- Arizona
- California
- New York
- New Jersey
- Maryland
- Virginia
- Michigan
- Tennessee
- Minnesota
- Connecticut
- Delaware
- District of Columbia
- Utah
- Alaska
- Vermont
- West Virginia
- Nebraska
- Rhode Island
- Colorado
- Nevada
- Georgia
- North Carolina
- South Carolina
- Oregon
- Washington
- Massachusetts
- Illinois
- Pennsylvania
- Hawaii
- Alabama
- Maine
- Missouri
- New Mexico
- Ohio
Insurance risk
- Florida
- Texas
- Arizona
- California
- New York
- New Jersey
- Maryland
- Virginia
- Michigan
- Tennessee
- Minnesota
- Connecticut
- Delaware
- District of Columbia
- Utah
- Alaska
- Vermont
- West Virginia
- Nebraska
- Rhode Island
- Colorado
- Nevada
- Georgia
- North Carolina
- South Carolina
- Oregon
- Washington
- Massachusetts
- Illinois
- Pennsylvania
- Hawaii
- Alabama
- Maine
- Missouri
- New Mexico
- Ohio
Governance risk
- Florida
- Texas
- Arizona
- California
- New York
- New Jersey
- Maryland
- Virginia
- Michigan
- Tennessee
- Minnesota
- Connecticut
- Delaware
- District of Columbia
- Utah
- Alaska
- Vermont
- West Virginia
- Nebraska
- Rhode Island
- Colorado
- Nevada
- Georgia
- North Carolina
- South Carolina
- Oregon
- Washington
- Massachusetts
- Illinois
- Pennsylvania
- Hawaii
- Alabama
- Maine
- Missouri
- New Mexico
- Ohio
HOA Fee Analysis
Condo Insurance Requirements
Condo Board Red Flags
Developer Transition Risk
HOA Litigation History
Buyer guides
Condo & HOA buyer guides
Checklists and reference guides for the documents most buyers see at closing — the resale or estoppel certificate, the financing requirements, the disclosure package.
Articles
Plain-English guides
Every article is written for buyers and owners reading the actual documents an association is required to disclose at sale.
Pillar guides
- Buying a Tennessee Condo or HOA: Why Your Own Diligence Carries the Load
- Maryland's New Reserve Law Is Triggering Big Special Assessments — How to Spot a Building at Risk
- Delaware's Reserve Study Law and Six-Month Super-Lien: What Condo Buyers Must Check
- CondoSignal Is Now Nationwide: Condo & HOA Document Review in All 50 States and DC
- Chicago Condo Deconversion Risk: What Buyers Should Know About Section 15 Exit Exposure
- The Complete Texas Condo and HOA Guide (2026)
- The Complete Condo Master Insurance Guide (2026)
- The Complete Arizona Condo and HOA Guide (2026)
- The Post-Surfside Florida Condo Law Guide (2026)
- The Complete Condo Buying Checklist (2026)
Condo document review
- Does a New Mexico HOA Lien Beat Your Mortgage? No — and Here Is Why It Matters
- Missouri Condo vs. HOA: Why the Difference Decides Your Legal Protections
- Does Maine Have a Condo Super-Lien? No — and Why That Changes Your Diligence
- The Fannie Mae Condo Blacklist: How to Check If Your Alabama Beach Condo Qualifies for a Loan
- West Virginia's Resale Certificate and the 5-Day Cancellation Window: A Condo Buyer's Guide
- The Virginia Resale Certificate and Your 3-Day Cancellation Right: A Condo Buyer's Guide
- The Vermont Resale Certificate and the Six-Month Super-Lien: A Buyer's Guide
- The New York Offering Plan and the Resale Diligence Gap: What Condo and Co-op Buyers Must Request Themselves
- Buying a Condo in Nebraska: Why Your Own Document Review Carries the Load
- The Minnesota Resale Disclosure Certificate: A Buyer's Checklist for Reserves and Risk (Minn. Stat. §515B.4-107)
- Michigan Condo Buyers: The 9-Day New-Build Cancellation Right and the Resale Gap
- Maryland Condo Resale Package and Your 7-Day Right to Cancel (and Why HOAs Are Different)
- Can a D.C. HOA Foreclosure Really Wipe Out Your Mortgage? The Super-Lien Explained
- Connecticut's 9-Month Super-Lien: How It Affects Condo Buyers and Lenders
- Crumbling Foundations in Connecticut Condos: What Buyers and Boards Must Know About Pyrrhotite and CFSIC
- The Alaska Resale Certificate and 6-Month Super-Lien: A Buyer's Guide to AS 34.08
- Philadelphia PM-315 Facade Inspections: What Condo Buyers Should Verify
- Massachusetts Condo Conversion Diligence: What Buyers of Converted Stock Should Read
- Chicago FISP and Balcony Inspections: What Condo Buyers Should Verify
- Hawaii Leasehold Condo Risk: What Buyers Should Verify Before Closing
- Washington Condo Resale Certificate Guide: RCW 64.34.425 and the 5-Day Rescission
- Oregon Condo Building Envelope and Water Intrusion: What Portland Buyers Should Read
- North Carolina HOA Disclosure Gap: What to Request Beyond the Statutory Minimum
- What Is a Condo Estoppel Certificate? A Buyer's Guide
HOA document review
Reserve studies
- Ohio's Condo Reserve Law: The Annual Waiver Loophole and the Special-Assessment Trap
- Virginia Reserve Studies: Mandatory Every 5 Years, but Funding Is Voluntary
- Utah's Reserve-Study Mandate and the Owner Veto: Why a Compliant Study Can Still Mean Underfunded Repairs
- Tennessee's Condo Reserve Study Law: What §66-27-403(g) Means for Buyers
- New Jersey's 2024 Condo Law: Mandatory Structural Inspections and 30-Year Reserve Funding
- Michigan's 10% Condo Reserve Rule: Why It Won't Pay for Your Roof After 20 Winters
- D.C. Condo Reserves: Not Required by Law — Here's Why an Aging Building Still Needs Them
- Massachusetts Aging Building Condo Checklist: Capital Programs, Reserves, and What to Verify
- Colorado Mountain & Resort HOA Risk: Reading Snow, Seasonal Use, and Underfunded Reserves
- Reserve Fund Rules in Florida, Texas, and Arizona: A State-by-State Comparison
- Florida Condo Safety Laws 2025: What Each Law Now Requires of Boards
- Milestone Inspection Buyer Guide: Reading the Report Before You Close
- Florida SIRS Explained: What Boards Must Fund and Disclose
Special assessments
Insurance risk
- New Mexico Condo Insurance Crisis: Wildfire, Post-Burn Floods, and the FAIR Plan
- New Madrid Earthquake Risk: The Insurance Gap in Missouri Condo Documents
- Coastal Maine Condo Insurance: Rising Rates, the 80% ACV Floor, and No FAIR Plan
- Hurricane Deductibles in Alabama Gulf Coast Condos: What a $50,000 Master Deductible Means for You
- Flood Risk and Thin Reserves: The Two Numbers Every West Virginia Condo Buyer Should Check
- Flooded Outside the Flood Zone: Vermont's Condo Insurance Gap After 2023 and 2024
- Wasatch Fault and Wildfire: The Two Insurance Gaps Every Utah Condo Buyer Should Read For
- Rhode Island's Coastal Condo Insurance Crisis: The FAIR Plan, Wind Deductibles, and What Buyers Should Read
- New Jersey Condo Insurance After Sandy and Ida: Flood, Wind, and Rising Premiums
- Nebraska's Hidden Insurance Crisis: How Hail and Percentage Deductibles Hit Condo Buyers
- Minnesota's Hail Insurance Crisis: Why Condo and Townhome Owners Are Getting $20,000 Special Assessment Bills
- Buying a Delaware Beach Condo? Read the Master Insurance Policy and Inspection Reports First
- California's Condo Insurance Crisis: The FAIR Plan, Carrier Exits, and What Buyers Should Read
- Does Your Alaska Condo Master Policy Cover Earthquakes? (Almost Certainly Not)
- Pennsylvania Flood Risk for Condo Buyers: Schuylkill, Susquehanna, and What Master Policies Don't Cover
- Hawaii Resort Condo Hurricane and Flood Risk: What Buyers Should Verify Post-Maui
- Washington Cascadia Seismic Risk: What Condo Buyers Should Read on the Master Policy
- South Carolina Coastal Hurricane and Flood Risk: SCWHUA, Master Policies, and What to Verify
- Oregon Cascadia Seismic Risk for Condo Buyers: What the Documents Reveal
- North Carolina Coastal Hurricane and Flood Risk for Condo and HOA Buyers
- Colorado HOA Insurance Crisis: Hail, Wildfire, and What Buyers Should Read in the Master Policy
- Insurance Certificate Red Flags: What to Question in the Master Policy
- Condo Insurance Rates in Florida, Texas, and Arizona: 2026 Update
- Hurricane Readiness for Florida and Texas Condo Associations
- Hurricane Deductibles and Loss Assessments: Evaluate Your HO-6 Exposure
Governance risk
- Why Ohio Is Not a Super-Lien State — and What That Means for Condo Buyers
- Can a Rhode Island Condo Association Wipe Out Your Mortgage? The Super-Priority Lien and Twenty Eleven v. Botelho
- California SB 326: What Condo Buyers Should Know About Balcony and Elevated-Element Inspections
- South Carolina Resort Condo STR Risk: Hilton Head, Myrtle Beach, and Charleston Vacation Rentals
- Nevada Super-Priority Lien Risk: What 9 Months of Unpaid Dues Mean for Buyers and Lenders
- Nevada Investor-Owned Condo Warning Signs: What Resident Buyers Should Read
- Georgia SB 406 Property Owners' Bill of Rights: What Buyers Need to Know for 2027
- Atlanta HOA Governance Red Flags: What to Read in the Documents Before You Buy
- Cross-Referencing Budgets with Meeting Minutes: An Analytical Technique
- Arizona HOA Foreclosure Reform: What SB 1494 Changes for Boards
- Texas Condo and HOA Law Changes: SB 711, HB 614, and What Boards Must Do
- Master-Planned Community Due Diligence: Mapping Every Layer
Buyer Due Diligence
Other guides
- Legal Pitfalls for Condo Boards: Procedural Failures to Identify and Fix
- Condo Association Fees in 2026: What Is High, What Is Adequate, and Why It Matters
- Reading HOA Meeting Minutes: How Boards Surface Problems Early
- How to Read a Reserve Study: What the Funding Numbers Actually Mean
- What to Look for in Condo Documents: A Buyer's Complete Guide
Tools
Free interactive tools
Quick, structured ways to read the most important parts of an association's finances before you close.
Company & legal
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