State laws

Florida reserve and disclosure rules

The Florida statutes and agency rules that govern reserves, budgets, and HOA disclosures — translated into plain language with the source cited. Not legal advice.

Law

Florida condominium reserve funding rules, in plain language

How Florida's Chapter 718 condominium statute actually handles reserves — through a default budget framework, a member-vote waiver mechanism for some reserves, and the post-Surfside Structural Integrity Reserve Study regime that makes certain reserves non-waivable — and what all of that means for a board, owner, or buyer.

Fla. Stat. § 718.112(2)(f) and (g) — condominium annual budgets, reserve accounts, waiver limits, and Structural Integrity Reserve Study requirements, with milestone-inspection cross-reference to Fla. Stat. § 553.899 Law

Florida HOA reserve funding rules, in plain language

How Florida Statutes Chapter 720 actually handles HOA reserves, why they are elective rather than mandatory, and what that means for a board, owner, or buyer making a real decision.

Florida Statutes § 720.303(6) — Budgets; reserves

Next step

Want to see how these Florida rules apply to a specific HOA?

Reading the rule is step one. Putting it against a real budget is step two — pick the option that fits and we'll start with the state already filled in.

I'm on the board — run reserve analysis I own here — request documents I'm buying — request documents