Get my free review
Sample report — illustrative only. Fictional property used for demonstration.

Sample report

Unit 502, 1234 Oceanview Drive

Hollywood, FL — 124-unit oceanfront condominium, built 1994

Overall riskElevated

Reserve funding is materially below the SIRS recommendation, a milestone inspection has generated unresolved Phase II findings, and a substantial special assessment is under active board discussion — none of which appears on the estoppel certificate. Master policy structure creates meaningful loss-assessment exposure under a named-storm scenario.

Get my own report — free

Risk snapshot

Eight categories at a glance.

Every report opens with the snapshot. Each meter reflects severity intensity within a category; the one-line signal points to the specific finding driving it.

Reserve fund

Elevated

Funded at ~50% of SIRS recommendation

Special assessment

Moderate

$640K roof project under board discussion

Insurance

Moderate

Wind carrier non-renewal + $1.2M deductible exposure

Governance

Low

Minutes complete; no recall or dispute history

Financial health

Moderate

Operating budget trailing reserve contribution

Litigation

Low

No pending claims or developer disputes

Restrictions

Low

Standard rental + pet rules; no recent amendments

Buyer fit

Moderate

Elevated exposure for first-time buyers

Key findings

Six findings, each linked to the exact page.

Elevated

Reserve Study, p. 7 + Operating Budget, line 42

Reserve fund critically underfunded relative to SIRS recommendation

What we found
SIRS recommends $187,000/year. Current budget allocates $94,000 — roughly 50% of the recommendation.
Why it matters
At this funding pace, the association cannot fund SIRS-mandated repairs from reserves alone. A special assessment in the next 24–36 months is highly likely.
What to ask
Has the board adopted the SIRS funding plan? When does the contribution gap close, and what's the assessment trigger?

Concerned about this finding on your documents?

Elevated

Meeting Minutes 2025-03-14, p. 4

Milestone inspection scheduled but Phase II finding window unresolved

What we found
Phase I inspection was completed in February 2025. The engineer recommended Phase II evaluation of waterproofing and column-to-deck connections. Phase II has been authorized but no engineer is retained.
Why it matters
Unresolved Phase II findings are the most common precursor to a major repair-driven special assessment in post-Surfside Florida.
What to ask
When will Phase II commence? What's the scope, expected cost range, and funding source if findings require repair?

Concerned about this finding on your documents?

Moderate

Master Policy Declarations Page, line 12

Wind deductible structure creates $1.2M owner-allocable exposure

What we found
Master policy carries a 5% named-storm deductible on $24M of insured value. The association is responsible for the first $1.2M before insurance pays.
Why it matters
Reserves are insufficient to absorb the gap. A named-storm loss would translate directly into a loss-assessment allocation across unit owners.
What to ask
Does my HO-6 policy carry adequate loss-assessment coverage? Has the board issued a recommended individual coverage level?

Concerned about this finding on your documents?

Moderate

Meeting Minutes 2025-11-21, p. 3

Special assessment under active board discussion, not yet voted

What we found
Board discussed funding options for a $640,000 roof replacement, including a per-unit special assessment of ~$5,200. Vote was tabled pending additional contractor bids.
Why it matters
Because the assessment has not been formally voted, it will not appear on the estoppel certificate. Minutes are where assessments form before they become binding.
What to ask
What's the timeline for the next board vote on the roof project? Are bids in hand or still outstanding?

Concerned about this finding on your documents?

Moderate

Meeting Minutes 2026-01-09, p. 2

Master wind carrier non-renewal in current cycle

What we found
Prior wind carrier declined to renew at December 2025. Replacement coverage was secured with a 25% premium increase and a reduced per-occurrence limit.
Why it matters
Carrier exits have accelerated across Florida coastal condo associations since 2023 and compound year-over-year, pressuring the operating budget and dues.
What to ask
What's the 3-year trajectory of master policy premiums? Are there mitigation projects planned to stabilize coverage?

Concerned about this finding on your documents?

Low

Estoppel Certificate dated 2026-04-15

Estoppel certificate complete and timely

What we found
Issued within the 10-business-day statutory window under Chapter 718.116(8) at the $250 base fee. No past-due amounts, fines, or violations on record.
Why it matters
The certificate reflects only what has been formally levied. It does not surface the active special-assessment discussion in the November 2025 minutes.
What to ask
Cross-reference: are there pending board actions that won't appear on this certificate until voted?

Concerned about this finding on your documents?

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.

Get My Free Risk Report

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.

  • HOA lawyer
  • Insurance broker
  • Reserve fund engineer
  • Realtor

What every CondoSignal report includes

The 14-section structure your report will follow.

01

Executive Summary

Three-paragraph overview of the most material findings.

02

Risk Snapshot

Eight category meters at a glance.

03

Reserve Fund

Reserve balance vs SIRS funding plan vs board minutes.

04

Special Assessment

Pending, approved, and implied assessment risk.

05

Insurance

Master policy specifics and HO-6 sizing implications.

06

Governance

Board functionality, minutes, recall history.

07

Financial Health

Operating budget, delinquency, audit findings.

08

Litigation

Pending claims and construction-defect actions.

09

Restrictions

Rental, pet, use, and modification rules.

10

Buyer Fit

Your situation vs the property's risk profile.

11

Key Red Flags

Top 3–5 specific items to surface to your attorney or lender.

12

Questions to Ask

Pre-written, document-cited questions for the association and your professionals.

13

Source Citations

Every finding links to document, page, and quoted text.

14

Glossary

Plain-English definitions for terms used in your report.

Built for trust

Premium due-diligence software — not a chatbot.

Source citations on every finding

Every risk indicator links back to the exact document, page number, and quoted line. You can verify our work in seconds.

Free with transparent consent — or paid and private

Our free option is supported by limited, opt-in referrals you control. Or pay once for a fully private review with no data sharing.

Consistent, documented analysis

Consistent scoring — same documents always produce the same results. No guesswork, no chat-style answers.

Informational, never legal advice

We surface what your documents actually say so you can ask better questions of your attorney, lender, and inspector.

Documents encrypted on upload (AES-256)Documents deleted after 30 daysYou control which professionals can contact youOpt out of referrals anytime

More on the categories surfaced in this sample

Related Florida coverage.

This sample was built against a fictional Florida oceanfront condo. The same categories apply nationally, but Florida's post-Surfside regime makes most of these findings more likely to appear in FL condo packages than elsewhere.

Florida special assessments

What buyers should look for when special assessments are pending, approved, or under discussion in Florida.

Florida reserve studies & SIRS

How SIRS reshapes reserve adequacy reading for Florida condos — and what a buyer should ask for.

Florida condo insurance risk

Master policy structure, hurricane deductibles, and loss-assessment exposure in Florida coastal condos.