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2:T2a72,[{"@context":"https://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https://condosignal.com/"},{"@type":"ListItem","position":2,"name":"Florida","item":"https://condosignal.com/florida"}]},{"@context":"https://schema.org","@type":"LocalBusiness","name":"CondoSignal — Florida","url":"https://condosignal.com/florida","areaServed":{"@type":"State","name":"Florida","identifier":"FL"},"parentOrganization":{"@type":"Organization","name":"CondoSignal","url":"https://condosignal.com"}},{"@context":"https://schema.org","@type":"BlogPosting","headline":"Florida Condo \u0026 HOA Review: Ch. 718, Milestone, SIRS \u0026 Insurance","description":"Florida condo \u0026 HOA review under Ch. 718: mandatory milestone inspections, non-waivable SIRS reserves (SB 4-D), board assessments, and an insurance crisis.","mainEntityOfPage":"https://condosignal.com/florida","author":{"@type":"Organization","name":"CondoSignal Research","url":"https://condosignal.com/about/methodology"},"reviewedBy":{"@type":"Person","name":"Kirk Hasley","jobTitle":"Founder","url":"https://condosignal.com/about/team","description":"Founder of CondoSignal, a real estate investor and technology executive. He built CondoSignal after repeatedly running into the same problem as a buyer and owner: the documents that disclose a building's real financial and structural risk are long, technical, and easy to misread.","worksFor":{"@type":"Organization","name":"CondoSignal","url":"https://condosignal.com"}},"publisher":{"@type":"Organization","name":"CondoSignal","logo":{"@type":"ImageObject","url":"https://condosignal.com/logo.png"}},"datePublished":"2026-06-13","dateModified":"2026-06-13","articleSection":"Florida condo \u0026 HOA guides","keywords":"Florida, condo, HOA, document review, reserve study, special assessment","isPartOf":{"@type":"WebSite","name":"CondoSignal","url":"https://condosignal.com"}},{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What is a Milestone Inspection in Florida, and which buildings need one?","acceptedAnswer":{"@type":"Answer","text":"The milestone inspection (Fla. Stat. § 553.899, enacted by SB 4-D in 2022 after the Surfside collapse) is a mandatory structural inspection for condominium and cooperative buildings three or more habitable stories tall. The first inspection is due at 30 years of age — or 25 years for buildings within three miles of the coast — and every 10 years thereafter. A licensed engineer or architect performs a Phase 1 visual examination; if substantial structural deterioration is found, a Phase 2 with invasive testing follows. The association must distribute the summary to owners and file the report with the local building official. There is no grandfathering by age, so older coastal towers are squarely covered."}},{"@type":"Question","name":"What is a Structural Integrity Reserve Study (SIRS), and can the reserves be waived?","acceptedAnswer":{"@type":"Answer","text":"A SIRS is a reserve study, required for 3+ story condo and co-op buildings, covering specific structural components: roof, load-bearing walls and primary structural members, floor, foundation, fireproofing and fire protection, plumbing, electrical, waterproofing and exterior painting, and windows and exterior doors. The decisive rule under Fla. Stat. § 718.112 is that for budgets adopted on or after December 31, 2024, associations must fully fund reserves for these structural components and may no longer waive or reduce that funding by owner vote. This is a sharp break from Florida's prior practice of annual reserve waivers, and it is why a current SIRS can still sit alongside a large funding gap that arrives as a special assessment."}},{"@type":"Question","name":"Why are Florida condo fees and insurance premiums rising so fast?","acceptedAnswer":{"@type":"Answer","text":"Three forces compound at once. First, the average condo association master policy roughly doubled from 2022 to 2024 as carriers exited and reinsurance costs surged. Second, the SIRS mandate now forces full funding of structural reserves that many associations had waived for years, often arriving as a steep step change rather than a gradual catch-up. Third, milestone-driven repairs add capital costs on top. The documents reveal whether an association is absorbing these gradually through dues or facing a single large special assessment — and whether deferred maintenance from prior years is still unaccounted for."}},{"@type":"Question","name":"How large a special assessment can a Florida condo board impose without an owner vote?","acceptedAnswer":{"@type":"Answer","text":"Under Fla. Stat. § 718.112, a Florida condo board can generally levy a special assessment of any size without a full-membership vote, unless the declaration or bylaws specifically require owner approval. Florida statute does not cap assessment increases. For a non-emergency special assessment, owners must receive at least 14 days' written notice stating the specific purpose, and the funds may be used only for that purpose. Post-Surfside, boards have imposed assessments of $20,000 or more per unit to fund milestone repairs and mandatory reserves, so the budget and meeting minutes are essential reading — and you should confirm whether any assessment is already levied or pending before closing."}},{"@type":"Question","name":"How does Florida's insurance crisis affect what coverage I need as an owner?","acceptedAnswer":{"@type":"Answer","text":"Master-policy hurricane and wind deductibles in Florida commonly run 2–5% of insured value, which can translate to hundreds of thousands of dollars per event that the association passes through to owners as loss assessments. Flood is not covered by the master property policy and is not required by statute, so in a coastal or flood-zone building you need separate NFIP or private flood coverage. Your HO-6 policy should carry enough loss-assessment coverage to absorb the realistic deductible and named-storm exposure. Note too that under 2025 law, Citizens Property Insurance will not cover associations that are out of compliance with milestone and SIRS requirements — non-compliance can make a building effectively uninsurable. Review the master-policy declarations and have your agent size your HO-6 against them."}},{"@type":"Question","name":"Does Florida give condo buyers a cancellation window, and what documents must the seller provide?","acceptedAnswer":{"@type":"Answer","text":"Yes. For resale (non-developer) condo purchases, Fla. Stat. § 718.503 requires the seller to provide the declaration, articles, bylaws, rules, the Q\u0026A sheet (§ 718.504), the governance form, the most recent year-end financial statement and budget, and — per HB 913 (2025) — any available milestone inspection report and SIRS. The buyer has 7 calendar days after receiving the documents (extended from 3 business days for contracts on or after July 1, 2025) to cancel, and failure to deliver the required documents makes the contract voidable before closing. 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Stat. Ch. 718), rather than a uniform act, so the law frequently overrides what a community's own declaration says: SIRS reserves cannot be waived, estoppel fees are capped, and milestone inspections are mandatory regardless of building age. At the same time, Florida is living through a historic property-insurance crisis — average condo association master-policy premiums roughly doubled between 2022 and 2024, Citizens Property Insurance (the state-backed insurer of last resort) swelled past 1.4 million policies before depopulating, and new 2025 rules bar non-compliant buildings from Citizens coverage entirely. The result is a once-in-a-generation collision of structural liability, mandatory reserve catch-up, insurance shock, and special-assessment exposure that is actively depressing condo values. For a buyer, this means a Florida condo review is not a paperwork formality; it is the single most important hour of due diligence between offer and closing. The three killer questions — has the building completed its milestone inspection, is its SIRS on file and funded, and what does the master policy's wind deductible expose owners to — determine whether you are inheriting a sound asset or a pending six-figure assessment. CondoSignal reads the milestone report, the SIRS, the budget and reserve schedule, the master-policy declarations, and the meeting minutes together, against the Chapter 718 baseline, so structural, reserve, insurance, and assessment risk are visible before your seven-day cancellation window closes.d:["funnel_buyer","state_florida"]
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The June 2021 Champlain Towers South collapse in Surfside triggered a cascade of structural-safety and financial-accountability laws — SB 4-D (2022), SB 154 (2023), and HB 1021 (2024) — that together mandate milestone structural inspections, a Structural Integrity Reserve Study (SIRS), and full, largely non-waivable funding of reserves for structural components.","primaryCta":{"label":"Get my free review","href":"/start"},"secondaryCta":{"label":"See a sample report","href":"/sample-report"}}],["$","section",null,{"className":"bg-white py-section","children":["$","div",null,{"className":"container-wide","children":[["$","p",null,{"className":"text-xs font-semibold uppercase tracking-widest text-signal","children":["Why ","Florida"," is different"]}],["$","p",null,{"className":"mt-3 max-w-3xl text-lg leading-relaxed text-graphite","children":"$5"}],["$","div",null,{"className":"max-w-3xl","children":["$","$L6",null,{"experience":"risk_check","placement":"state_after_intro","path":"/florida","pageType":"state","state":"FL"}]}],["$","div",null,{"className":"mt-6 max-w-3xl","children":["$","p",null,{"className":"rounded-md border-l-2 border-signal/50 bg-signal/5 px-4 py-3 text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":["Based on CondoSignal's review of ","Florida"," condo-document risk patterns."]}]," ","This page reflects our analysis of ","Florida","'s disclosure requirements",""," and the issues we most often flag in"," ","Florida"," document packages — not generic HOA advice."]}]}],["$","div",null,{"className":"mt-12 grid gap-6 md:grid-cols-2","children":[["$","article","Milestone inspections and the Surfside structural regime",{"className":"rounded-lg border border-ink/10 bg-paper p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-ink","children":"Milestone inspections and the Surfside structural regime"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-graphite","children":"Under the post-Surfside law (Fla. Stat. § 553.899; SB 4-D 2022, refined by SB 154 2023), condominium and cooperative buildings three or more habitable stories tall must complete a milestone structural inspection — at 30 years of age, or 25 years for buildings within three miles of the coast — and every 10 years thereafter. A licensed engineer or architect performs a Phase 1 visual review; if substantial structural deterioration is found, an invasive Phase 2 follows. A building past its trigger with no completed milestone inspection, an open Phase 2, or identified-but-unfunded repairs is the single largest driver of special assessments in Florida. Confirm the inspection date, the findings, and the repair funding plan."}]]}],["$","article","SIRS and mandatory, non-waivable structural reserves",{"className":"rounded-lg border border-ink/10 bg-paper p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-ink","children":"SIRS and mandatory, non-waivable structural reserves"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-graphite","children":"Florida now requires a Structural Integrity Reserve Study (SIRS) for those same 3+ story buildings, covering roof, load-bearing walls, foundation, floor, fireproofing, plumbing, electrical, waterproofing, windows, and exterior doors. The decisive change under Fla. Stat. § 718.112: for budgets adopted on or after December 31, 2024, associations must fully fund reserves for SIRS structural components and may no longer waive or reduce that funding by owner vote — a sharp break from the old Florida rule that allowed annual reserve waivers. 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Citizens Property Insurance ballooned past 1.4 million policies before aggressive depopulation, and under 2025 law Citizens may not cover associations that are out of compliance with milestone or SIRS requirements, tying insurability directly to structural compliance. Read the carrier, the wind deductible, the named-storm carve-outs, and whether the building's coverage is at risk — and size your own HO-6 loss-assessment limits accordingly."}]]}],["$","article","Flood gap and coastal climate exposure",{"className":"rounded-lg border border-ink/10 bg-paper p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-ink","children":"Flood gap and coastal climate exposure"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-graphite","children":"Flood is not covered by the condominium master property policy and is not required by Florida statute — a critical gap given that the entire state is hurricane-exposed and much of its high-rise stock sits in storm-surge and Special Flood Hazard Areas. Recent storms (Ian 2022, Helene and Milton 2024) drove catastrophic losses and premium spikes, and older coastal towers commonly suffer concrete spalling and rebar corrosion accelerated by salt air — the exact failure mode implicated at Surfside. In a coastal or flood-zone building, confirm separate flood coverage (NFIP or private), the building's surge exposure and elevation, and the waterproofing and structural repair history alongside the milestone report."}]]}],["$","article","Board-levied special assessments and reserve catch-up",{"className":"rounded-lg border border-ink/10 bg-paper p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-ink","children":"Board-levied special assessments and reserve catch-up"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-graphite","children":"Under Fla. Stat. § 718.112, a Florida condo board may levy a special assessment without a full-membership vote unless the declaration specifically requires owner approval. 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misses: According to the U.S."}]]}],["$","$L3","fort-myers",{"href":"/florida/fort-myers","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Fort Myers"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Fort Myers"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Fort Myers condo and HOA documents carry Florida-specific risks a generic Florida review misses: Approximately 4,000 condominiums sold in the Cape Coral–Fort Myers HMA during the 12 months ending April 2025, a 19% decline from the prior 12-month period; Since 2022, only about 2% of all sales-unit permits issued in the Cape Coral–Fort Myers HMA have been for condominiums, down sharply from 5% during 2010–2021, reflecting a post-Surfside pullback in condo permitting in this metro."}]]}],["$","$L3","fountainebleau",{"href":"/florida/fountainebleau","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Fountainebleau"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Fountainebleau"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Fountainebleau condo and HOA documents carry Florida-specific risks a generic Florida review misses: The Fountainebleau CDP had 20,753 housing units in the 2020 Decennial Census, with 69.9% in multi-unit structures of 3 or more units — a predominantly condominium/apartment building stock; 63.3% of Fountainebleau housing units were built between 1960 and 1979, and only 4.5% after 2000, per 2020 ACS 5-year estimates, indicating a heavily aging residential building stock critical for structural inspections and reserve planning."}]]}],["$","$L3","gainesville",{"href":"/florida/gainesville","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Gainesville"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Gainesville"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Gainesville condo and HOA documents carry Florida-specific risks a generic Florida review misses: HUD's Comprehensive Housing Market Analysis for Gainesville reports that condominium construction in the Gainesville Housing Market Area averaged approximately 90 units annually from 2000 through 2007, but since 2008 fewer than 30 condominium units per year have been permitted; HUD's analysis for Gainesville notes that the local rental market tightened in part because of conversions of apartments to condominiums within the Gainesville Housing Market Area."}]]}],["$","$L3","hialeah",{"href":"/florida/hialeah","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Hialeah"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Hialeah"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Hialeah condo and HOA documents carry Florida-specific risks a generic Florida review misses: 63.2% of Hialeah's housing units were built before 1980, meaning the majority of the city's multifamily and condominium stock is of an age where structural recertification, milestone inspections, and major capital repairs are likely recurring issues; 61.2% of Hialeah's housing units are in structures with two or more units, indicating a high prevalence of multifamily and potentially condominium or HOA-governed properties relative to single-family homes."}]]}],["$","$L3","hollywood",{"href":"/florida/hollywood","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Hollywood"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Hollywood"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Hollywood condo and HOA documents carry Florida-specific risks a generic Florida review misses: In the City of Hollywood, approximately 35.4% of all housing units are in structures with 20 or more units, indicating a substantial presence of larger multifamily and condominium buildings; In Hollywood, 61.8% of occupied housing units are renter-occupied and only 38.2% are owner-occupied, a tenure profile suggesting many condominium associations may have a high proportion of non-resident or investor owners."}]]}],["$","$L3","jacksonville",{"href":"/florida/jacksonville","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Jacksonville"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Jacksonville"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Jacksonville condo and HOA documents carry Florida-specific risks a generic Florida review misses: According to U.S."}]]}],["$","$L3","kendall",{"href":"/florida/kendall","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Kendall"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Kendall"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Kendall condo and HOA documents carry Florida-specific risks a generic Florida review misses: Kendall had 80,241 residents in the 2020 Census, making it a substantial census-designated place (CDP) in Miami-Dade County with a significant residential housing stock that includes condominiums and HOA communities; 62.2% of occupied housing units in Kendall are owner-occupied, reflecting a high owner-residency rate in local condo and HOA communities relative to renter occupancy."}]]}],["$","$L3","largo",{"href":"/florida/largo","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Largo"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Largo"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Largo condo and HOA documents carry Florida-specific risks a generic Florida review misses: Largo, located in Pinellas County, is identified by FEMA's National Risk Index as being in a county with relatively high exposure to hurricane wind and storm surge, elevating property-insurance risk for condominiums; Condo associations near Largo's tidal waterways face heightened risk of flood damage from storm surge and coastal flooding, hazards that are typically not covered by standard property insurance policies, according to NOAA coastal flood hazard mapping."}]]}],["$","$L3","miami-beach",{"href":"/florida/miami-beach","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Miami Beach"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Miami Beach"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Miami Beach condo and HOA documents carry Florida-specific risks a generic Florida review misses: The Port Royale condominium at 6969 Collins Avenue in Miami Beach was condemned and evacuated in October 2022 after a structural engineer reported that a critical support beam had failed, as documented in an official Miami Beach Building Department unsafe-structure notice; Approximately 84% of housing units in the City of Miami Beach are in multi-unit structures (buildings with three or more units), making condominium and apartment buildings the dominant form of housing in the city."}]]}],["$","$L3","north-miami",{"href":"/florida/north-miami","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"North Miami"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"North Miami"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"North Miami condo and HOA documents carry Florida-specific risks a generic Florida review misses: North Miami has a dedicated Code Compliance division that enforces property maintenance standards under the city's Code of Ordinances, with authority to cite or fine condominium and HOA common areas for violations such as unsafe structures or failure to maintain exterior conditions; Census ACS 5-year data for the City of North Miami show a significant concentration of housing units in multiunit structures (buildings with 5 or more units), indicating that condominium and apartment-style housing constitutes a substantial share of the city's housing stock relative to detached single-family homes."}]]}],["$","$L3","pembroke-pines",{"href":"/florida/pembroke-pines","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Pembroke Pines"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Pembroke Pines"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Pembroke Pines condo and HOA documents carry Florida-specific risks a generic Florida review misses: According to U.S."}]]}],["$","$L3","pompano-beach",{"href":"/florida/pompano-beach","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Pompano Beach"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Pompano Beach"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Pompano Beach condo and HOA documents carry Florida-specific risks a generic Florida review misses: Approximately 53.6% of housing units in Pompano Beach are in structures with 5 or more units, indicating a predominantly multifamily and condominium housing stock; Roughly 44.5% of Pompano Beach's housing units were built before 1980, meaning a large share of the condo and HOA building stock predates modern Florida building codes and is now reaching or past key inspection and reserve-planning ages."}]]}],["$","$L3","sarasota",{"href":"/florida/sarasota","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Sarasota"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Sarasota"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Sarasota condo and HOA documents carry Florida-specific risks a generic Florida review misses: Sarasota County contained 205,531 total housing units per the 2020 Decennial Census, with 35.5% of units in structures with 5 or more apartments — a substantially higher multi-family share than many inland Florida counties; The 2018–2022 ACS 5-year estimates report that 33.3% of occupied housing units in Sarasota County are in multi-unit structures (2 or more units), indicating that roughly one in three occupied homes is a condo, townhome, or apartment rather than a detached single-family house."}]]}],["$","$L3","sunrise",{"href":"/florida/sunrise","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Sunrise"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Sunrise"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Sunrise condo and HOA documents carry Florida-specific risks a generic Florida review misses: According to the U.S."}]]}],["$","$L3","west-palm-beach",{"href":"/florida/west-palm-beach","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"West Palm Beach"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"West Palm Beach"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"West Palm Beach condo and HOA documents carry Florida-specific risks a generic Florida review misses: West Palm Beach had 59,109 housing units and a total population of 117,953 at the April 1, 2020 decennial census; 14,803 housing units in West Palm Beach are in structures with 10 or more units, confirming a large multifamily and likely condominium-style building presence within city limits."}]]}]]}]]}]}],["$","section",null,{"className":"bg-white py-section","children":["$","div",null,{"className":"container-wide","children":[["$","p",null,{"className":"text-xs font-semibold uppercase tracking-widest text-signal","children":["Florida"," topic guides"]}],["$","h2",null,{"className":"mt-3 max-w-3xl text-3xl font-semibold","children":["Florida","-specific guidance"]}],["$","div",null,{"className":"mt-8 grid gap-4 md:grid-cols-2 lg:grid-cols-3","children":[["$","$L3","condo-document-review",{"href":"/florida/condo-document-review","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-paper p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold","children":"Condo document review"}],["$","p",null,{"className":"mt-2 line-clamp-2 text-sm text-graphite","children":"A condo document review is the structured analysis of every disclosure document your seller or association has provided — declaration, bylaws, rules, reserve study, budgets, financials, meeting minutes, insurance summary, estoppel or resale certificate, and any pending special assessment notices. Done well, it tells you exactly what you are buying. Done in a hurry — or as a chat session against a single PDF — it misses the cross-references where real risk lives. This guide covers condominium document sets specifically, where shared building finances, the master insurance policy, and reserves drive the risk; if your property is a detached home in a planned community, the document set and the risks differ — see HOA document review."}],["$","p",null,{"className":"mt-auto pt-4 text-sm font-semibold text-signal","children":["Florida"," guide →"]}]]}],["$","$L3","hoa-document-review",{"href":"/florida/hoa-document-review","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-paper p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold","children":"HOA document review"}],["$","p",null,{"className":"mt-2 line-clamp-2 text-sm text-graphite","children":"An HOA document review reads the full association document set — declaration or deed restrictions, CC&Rs, bylaws, resale or disclosure certificate, current budget, audited financials, meeting minutes, and any enforcement history — and surfaces the items that actually affect your ownership cost, your usage rights, and your exposure to surprise assessments. HOA reviews have a different shape than condominium reviews, and treating them as the same process produces incomplete findings. This guide focuses on HOA and planned-community document sets — deed restrictions, use rights, and architectural control; for attached condominium ownership, where master insurance and shared building reserves dominate the risk, see Condo document review."}],["$","p",null,{"className":"mt-auto pt-4 text-sm font-semibold text-signal","children":["Florida"," guide →"]}]]}],["$","$L3","reserve-studies",{"href":"/florida/reserve-studies","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-paper p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold","children":"Reserve studies"}],["$","p",null,{"className":"mt-2 line-clamp-2 text-sm text-graphite","children":"A reserve study tells you what the association expects to spend on long-term capital repairs and replacements, and whether it is funding those obligations adequately. Reading the study without also reading the actual reserve balance, the current budget's contribution line, and recent meeting minutes is the single most common mistake in condo due diligence — and the one most likely to produce an expensive surprise after closing."}],["$","p",null,{"className":"mt-auto pt-4 text-sm font-semibold text-signal","children":["Florida"," guide →"]}]]}],["$","$L3","special-assessments",{"href":"/florida/special-assessments","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-paper p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold","children":"Special assessments"}],["$","p",null,{"className":"mt-2 line-clamp-2 text-sm text-graphite","children":"Special assessments are the single largest source of financial surprise in condo and HOA ownership. They can arrive formally, as a voted board action with a disclosed amount. They can arrive indirectly, as a dues increase that follows a reserve shortfall or insurance spike. Or they can arrive silently, implied by the gap between what an association has saved and what it needs — visible in documents years before any official announcement. A thorough document review identifies all three types."}],["$","p",null,{"className":"mt-auto pt-4 text-sm font-semibold text-signal","children":["Florida"," guide →"]}]]}],["$","$L3","insurance-risk",{"href":"/florida/insurance-risk","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-paper p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold","children":"Insurance risk"}],["$","p",null,{"className":"mt-2 line-clamp-2 text-sm text-graphite","children":"The association's master insurance policy determines what your personal HO-6 policy needs to cover — and what it does not. Deductibles, named-storm provisions, water and flood exclusions, policy form (bare-walls versus all-in), carrier quality, and loss assessment exposure all change the real cost of ownership in ways that never appear in the listing price. Reading the insurance summary alone is not enough; reading the master policy declarations page against the declaration's loss assessment provisions is where the real exposure lives. This page takes the risk-and-exposure view — how a building's insurance position could cost you, and what its insurability signals about the association; for the practical checklist of what coverage you and your lender actually need in place before closing, see Condo insurance requirements."}],["$","p",null,{"className":"mt-auto pt-4 text-sm font-semibold text-signal","children":["Florida"," guide →"]}]]}],["$","$L3","governance-risk",{"href":"/florida/governance-risk","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-paper p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold","children":"Governance risk"}],["$","p",null,{"className":"mt-2 line-clamp-2 text-sm text-graphite","children":"An association's governance health is a leading indicator of every other risk. Boards make decisions about reserve funding, repair scope, insurance coverage, and vendor relationships. Functional boards make those decisions transparently and on time. Dysfunctional boards defer them, obscure them, or make them for the wrong reasons — and the deferred decisions show up later as assessments, deteriorated infrastructure, and insurance problems. A governance review reads meeting minutes, election and recall records, financial controls, and dispute history across multiple years to surface the patterns that precede financial problems. This page takes the analytical view — governance as a multi-year leading indicator of financial risk; for the buyer's quick spotting guide to the specific warning signs in the documents, see Condo board red flags."}],["$","p",null,{"className":"mt-auto pt-4 text-sm font-semibold text-signal","children":["Florida"," guide →"]}]]}]]}],["$","p",null,{"className":"mt-8 max-w-3xl text-sm leading-relaxed text-graphite","children":["Buying in ","Florida","?"," ",["$","$L3",null,{"href":"/checklists/florida","className":"font-medium text-signal hover:underline","children":["See the complete ","Florida"," condo due-diligence checklist →"]}]," ","— every document to request, the local red flags, and the statute behind each."]}]]}]}],["$","section",null,{"className":"bg-paper py-section","children":["$","div",null,{"className":"container-wide","children":[["$","div",null,{"className":"flex flex-wrap items-end justify-between gap-4","children":[["$","div",null,{"children":[["$","p",null,{"className":"text-xs font-semibold uppercase tracking-widest text-signal","children":["Florida"," reading"]}],["$","h2",null,{"className":"mt-3 max-w-2xl text-3xl font-semibold text-ink","children":["Plain-English guides for ","Florida"," buyers and owners."]}]]}],["$","$L3",null,{"href":"/articles","className":"text-sm font-semibold text-signal hover:underline","children":"Browse all articles →"}]]}],["$","div",null,{"className":"mt-10 grid gap-4 md:grid-cols-2 lg:grid-cols-3","children":[["$","$L3","what-is-a-condo-estoppel-certificate",{"href":"/articles/what-is-a-condo-estoppel-certificate","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold leading-snug text-ink","children":"What Is a Condo Estoppel Certificate? A Buyer's Guide"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-graphite","children":"The estoppel certificate is the one document an association is legally required to provide before closing. Understand what it says, what it omits, and how to read each line before you sign."}],["$","p",null,{"className":"mt-auto pt-4 text-sm font-semibold text-signal","children":"Read →"}]]}],["$","$L3","florida-condo-safety-laws-2025",{"href":"/articles/florida-condo-safety-laws-2025","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold leading-snug text-ink","children":"Florida Condo Safety Laws 2025: What Each Law Now Requires of Boards"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-graphite","children":"From SB 4-D in 2022 through HB 913 in 2025, Florida rewrote structural safety and reserve funding obligations for condo associations. 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HOAs: none."}]]}],["$","tr","louisiana",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Louisiana",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"15-day cancellation right tied to the condo developer's Public Offering Statement (R.S. 9:1124) — INITIAL DEVELOPER SALES ONLY. No statutory resale cancellation right between owners; no post-sale right of redemption."}]]}],["$","tr","maine",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Maine",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"Voidable until the resale certificate is delivered and for 5 days after (§ 1604-108)"}]]}],["$","tr","maryland",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Maryland",false]}],["$","td",null,{"className":"px-3 py-2","children":"Funding mandated"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"Condos: 7 days after the resale package (§ 11-135). HOAs: 5 days if info wasn't delivered 5+ days pre-signing, plus a 3-day right if mandatory fees rise over 10% (§ 11B-106)"}]]}],["$","tr","massachusetts",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Massachusetts",false]}],["$","td",null,{"className":"px-3 py-2","children":"Funding mandated"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"None"}]]}],["$","tr","michigan",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Michigan",false]}],["$","td",null,{"className":"px-3 py-2","children":"Funding mandated"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"None — Michigan has no statutory resale rescission (new construction gets a 9-day right)"}]]}],["$","tr","minnesota",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Minnesota",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"10 days after the § 515B.4-107 resale disclosure certificate (unless delivered 10+ days before signing)"}]]}],["$","tr","mississippi",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Mississippi",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"None — no statutory resale certificate, estoppel regime, or buyer rescission period"}]]}],["$","tr","missouri",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Missouri",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"Voidable until the resale certificate is delivered and for 5 days after (§ 448.4-109)"}]]}],["$","tr","montana",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Montana",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"None — no statutory rescission or cooling-off period"}]]}],["$","tr","nebraska",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Nebraska",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"None — resale buyers get documents but no statutory rescission right (§ 76-884)"}]]}],["$","tr","nevada",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Nevada",false]}],["$","td",null,{"className":"px-3 py-2","children":"Funding mandated"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"5-day rescission after delivery of the resale package (NRS 116.4109)"}]]}],["$","tr","new-hampshire",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["New Hampshire",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"No resale rescission. The only statutory cancellation right is 5 days on developer sales after delivery of the public offering statement (RSA 356-B:52)."}]]}],["$","tr","new-jersey",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["New Jersey",false]}],["$","td",null,{"className":"px-3 py-2","children":"Funding mandated"}],["$","td",null,{"className":"px-3 py-2","children":"Required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"Developer/initial sales carry a PREDFDA rescission window; resale between owners has none (a 3-day attorney-review clause applies)"}]]}],["$","tr","new-mexico",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["New Mexico",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"7 days after the condo resale certificate (§ 47-7D-9) or the HOA disclosure certificate (§ 47-16-11)"}]]}],["$","tr","new-york",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["New York",false]}],["$","td",null,{"className":"px-3 py-2","children":"Funding mandated"}],["$","td",null,{"className":"px-3 py-2","children":"Required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"None — buyer protection comes from purchase-contract contingencies"}]]}],["$","tr","north-carolina",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["North Carolina",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"7 days on new condo purchases (after the public offering statement); none for resale between owners"}]]}],["$","tr","north-dakota",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["North Dakota",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"None — no statutory rescission or cooling-off right"}]]}],["$","tr","ohio",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Ohio",false]}],["$","td",null,{"className":"px-3 py-2","children":"Funding mandated"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"3 business days after the state Residential Property Disclosure Form, or 30 days after signing (§ 5302.30)"}]]}],["$","tr","oklahoma",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Oklahoma",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"None — no statutory resale certificate, status letter, or rescission window"}]]}],["$","tr","oregon",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Oregon",false]}],["$","td",null,{"className":"px-3 py-2","children":"Funding mandated"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"5 business days after the Seller's Property Disclosure Statement (ORS 105.464); developer sales may carry a longer right"}]]}],["$","tr","pennsylvania",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Pennsylvania",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"5 days after receiving the resale certificate (§ 3407)"}]]}],["$","tr","rhode-island",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Rhode Island",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"Voidable until the resale certificate is delivered and for 5 days after (§ 34-36.1-4.09)"}]]}],["$","tr","south-carolina",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["South Carolina",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"None — South Carolina has no broad condo resale rescission or mandatory disclosure packet"}]]}],["$","tr","south-dakota",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["South Dakota",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"Resale: none. Developer/original sales only: a contract is not binding until the buyer receives the Real Estate Commission public report, voidable until ~10 days after receipt (S.D.C.L. 43-15A-10)."}]]}],["$","tr","tennessee",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Tennessee",false]}],["$","td",null,{"className":"px-3 py-2","children":"Study only"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"Narrow — generally none, except a 10-business-day right when a declarant-controlled association is late delivering § 66-27-503 information"}]]}],["$","tr","texas",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Texas",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"6 days after receiving the resale certificate, if it wasn't delivered before signing (§ 82.156)"}]]}],["$","tr","utah",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Utah",false]}],["$","td",null,{"className":"px-3 py-2","children":"Funding mandated"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"No HOA-specific statutory rescission — buyer protection runs through the purchase-contract due-diligence period"}]]}],["$","tr","vermont",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Vermont",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"5 days after the resale certificate (15 days for new construction) (§ 4-109)"}]]}],["$","tr","virginia",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Virginia",false]}],["$","td",null,{"className":"px-3 py-2","children":"Study only"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"3 days from receiving the resale certificate (often extended to 7 by the standard contract); cancel anytime before closing if it's never delivered (§ 55.1-2312)"}]]}],["$","tr","washington",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Washington",false]}],["$","td",null,{"className":"px-3 py-2","children":"Study only"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"5 business days after receiving the resale certificate (condos, RCW 64.34.425)"}]]}],["$","tr","west-virginia",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["West Virginia",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"5 days after the resale certificate (15 days for new construction) (§ 36B-4-109)"}]]}],["$","tr","wisconsin",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Wisconsin",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"5 business days after receiving § 703.33 disclosure materials (or any material modification) — condo buyers only. No automatic statutory rescission for HOA buyers (negotiate contractually)."}]]}],["$","tr","wyoming",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Wyoming",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"None — no statutory rescission"}]]}]]}]]}]}]]}]}],["$","div",null,{"className":"mt-10 max-w-3xl","children":["$","div",null,{"className":"rounded-lg border border-ink/10 bg-paper p-6","children":[["$","p",null,{"className":"text-xs font-semibold uppercase tracking-widest text-signal","children":"How CondoSignal reviews this"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":["We read the reserve study, operating budget, and 24 months of meeting minutes"," ",["$","em",null,{"children":"together"}]," — ","the risk that matters"," usually lives in the contradiction between documents, not in any single one of them. Every finding cites the source document, the page number, and the quoted text behind it."]}],["$","$L3",null,{"href":"/about/methodology","className":"mt-4 inline-block font-semibold text-signal hover:underline","children":"See our 8-category framework →"}]]}]}]]}]}],["$","section",null,{"className":"bg-white pb-4","children":["$","div",null,{"className":"container-wide","children":["$","div",null,{"className":"rounded-md border border-ink/10 bg-paper p-5 text-sm leading-relaxed text-graphite","children":["$","p",null,{"children":[["$","span",null,{"className":"font-semibold text-ink","children":["Reviewed by"," ",["$","$L3",null,{"href":"/about/team","className":"text-signal hover:underline","children":"Kirk Hasley, Founder"}],"."]}]," ","Every claim here is checked against"," ","current Florida statute"," and primary sources, using the same"," ",["$","$L3",null,{"href":"/about/methodology","className":"text-signal hover:underline","children":"documented review framework"}]," ","we run on every file."," Last reviewed June 13, 2026."]}]}]}]}],["$","$La",null,{"entries":[{"q":"What is a Milestone Inspection in Florida, and which buildings need one?","a":"The milestone inspection (Fla. Stat. § 553.899, enacted by SB 4-D in 2022 after the Surfside collapse) is a mandatory structural inspection for condominium and cooperative buildings three or more habitable stories tall. The first inspection is due at 30 years of age — or 25 years for buildings within three miles of the coast — and every 10 years thereafter. A licensed engineer or architect performs a Phase 1 visual examination; if substantial structural deterioration is found, a Phase 2 with invasive testing follows. The association must distribute the summary to owners and file the report with the local building official. There is no grandfathering by age, so older coastal towers are squarely covered."},{"q":"What is a Structural Integrity Reserve Study (SIRS), and can the reserves be waived?","a":"A SIRS is a reserve study, required for 3+ story condo and co-op buildings, covering specific structural components: roof, load-bearing walls and primary structural members, floor, foundation, fireproofing and fire protection, plumbing, electrical, waterproofing and exterior painting, and windows and exterior doors. The decisive rule under Fla. Stat. § 718.112 is that for budgets adopted on or after December 31, 2024, associations must fully fund reserves for these structural components and may no longer waive or reduce that funding by owner vote. This is a sharp break from Florida's prior practice of annual reserve waivers, and it is why a current SIRS can still sit alongside a large funding gap that arrives as a special assessment."},{"q":"Why are Florida condo fees and insurance premiums rising so fast?","a":"Three forces compound at once. First, the average condo association master policy roughly doubled from 2022 to 2024 as carriers exited and reinsurance costs surged. Second, the SIRS mandate now forces full funding of structural reserves that many associations had waived for years, often arriving as a steep step change rather than a gradual catch-up. Third, milestone-driven repairs add capital costs on top. The documents reveal whether an association is absorbing these gradually through dues or facing a single large special assessment — and whether deferred maintenance from prior years is still unaccounted for."},{"q":"How large a special assessment can a Florida condo board impose without an owner vote?","a":"Under Fla. Stat. § 718.112, a Florida condo board can generally levy a special assessment of any size without a full-membership vote, unless the declaration or bylaws specifically require owner approval. Florida statute does not cap assessment increases. For a non-emergency special assessment, owners must receive at least 14 days' written notice stating the specific purpose, and the funds may be used only for that purpose. Post-Surfside, boards have imposed assessments of $20,000 or more per unit to fund milestone repairs and mandatory reserves, so the budget and meeting minutes are essential reading — and you should confirm whether any assessment is already levied or pending before closing."},{"q":"How does Florida's insurance crisis affect what coverage I need as an owner?","a":"Master-policy hurricane and wind deductibles in Florida commonly run 2–5% of insured value, which can translate to hundreds of thousands of dollars per event that the association passes through to owners as loss assessments. Flood is not covered by the master property policy and is not required by statute, so in a coastal or flood-zone building you need separate NFIP or private flood coverage. Your HO-6 policy should carry enough loss-assessment coverage to absorb the realistic deductible and named-storm exposure. Note too that under 2025 law, Citizens Property Insurance will not cover associations that are out of compliance with milestone and SIRS requirements — non-compliance can make a building effectively uninsurable. Review the master-policy declarations and have your agent size your HO-6 against them."},{"q":"Does Florida give condo buyers a cancellation window, and what documents must the seller provide?","a":"Yes. For resale (non-developer) condo purchases, Fla. Stat. § 718.503 requires the seller to provide the declaration, articles, bylaws, rules, the Q&A sheet (§ 718.504), the governance form, the most recent year-end financial statement and budget, and — per HB 913 (2025) — any available milestone inspection report and SIRS. The buyer has 7 calendar days after receiving the documents (extended from 3 business days for contracts on or after July 1, 2025) to cancel, and failure to deliver the required documents makes the contract voidable before closing. 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