Coastal vs inland insurance exposure
Coastal buildings face very different insurance economics than inland masters. Reading the master policy is essential to understanding your HO-6 needs.
Tampa Bay document review
Tampa condo & HOA document review
Tampa Bay's condo and HOA inventory spans coastal high-rises, inland master-planned communities, and a growing downtown urban stock. The risk profile shifts dramatically across those segments.
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Why Tampa is different
A Tampa document review is largely about identifying which segment the property sits in and reading the documents through that lens.
Recent reserve catch-up assessments
Several Tampa Bay associations have implemented one-time catch-up assessments to fund reserves. We flag pending or recently approved assessments and the implied future-fee trajectory.
Florida-specific guides
Florida law applied to your documents
Florida condo document review
Florida condo buyers face one of the most document-intensive due diligence processes in the country. After a series of legislative reforms triggered by the 2021 Champlain Towers South collapse, state law now requires associations to produce milestone inspection reports, Structural Integrity Reserve Studies, and updated reserve budgets — on top of the governing documents, meeting minutes, and insurance summaries that have always mattered. Knowing which documents to request, and what to look for in each one, is the difference between a well-informed purchase and an expensive surprise.
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Florida HOA document review
Buying into a Florida homeowners association is a fundamentally different transaction from buying a condominium, and the document review reflects that difference. Where condo buyers work through Chapter 718, HOA buyers operate under Chapter 720 — a statute with different disclosure timelines, different reserve obligations, and governance rules that were significantly tightened by HB 1021 and HB 1203 in 2024. Understanding what documents to request, and what Chapter 720 actually requires the association to produce, is the starting point for any HOA purchase in Florida.
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Florida reserve studies
Florida's condo reserve study requirements have undergone a dramatic transformation since 2021. The collapse of Champlain Towers South in Surfside — where the association held roughly $706,000 in reserves against a documented repair need exceeding $10.3 million — exposed the consequences of chronic underfunding and prompted a wave of legislation. Today, Florida law requires not just a standard reserve study but a Structural Integrity Reserve Study for older condominium buildings, making Florida one of the most demanding reserve-regulation environments in the United States.
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Topic guides
National coverage
Condo document review
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.
HOA document review
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.
Reserve studies
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.
Local experts
Vetted Tampa professionals — free intro.
Tampa has its own carrier landscape, statutes, and transaction conventions. We can introduce you to Florida-licensed specialists who handle exactly this market — no obligation, no cost.
Tampa Realtor
Tampa realtors with condo and HOA transaction experience who know which buildings have surfaced risk in recent disclosures.
Tampa HOA lawyer
Tampa-area attorneys handling estoppel review, special assessment disputes, governance issues, and condo / HOA litigation.
Tampa Insurance broker
Brokers familiar with the Tampa carrier landscape — master policy gaps, wind/named-storm deductibles, and HO-6 sizing.
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.
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FAQ
Tampa FAQ
Risk Intelligence
Get Your Free Condo Risk Report
Upload condo or HOA documents for a free risk review. We read reserve studies, budgets, meeting minutes, insurance summaries, and assessment exposure — every finding linked to the exact page.
Expert Matching
Need a real estate lawyer or mortgage specialist?
We can connect you with vetted real estate lawyers, mortgage brokers, and insurance brokers familiar with the specifics of condo and HOA transactions.
- Insurance broker
- Realtor
- Reserve fund engineer
- HOA lawyer