The Florida condo and HOA rules boards actually get asked about.
Structural deadlines, reserve funding, insurance obligations, and claim deadlines, in plain English, cited to primary Florida sources, and corrected where the common online version is wrong. Every page carries the date its legal accuracy was last verified.
Milestone Inspections & SIRS: The 2025–2026 Deadlines
Florida condo milestone inspection and Structural Integrity Reserve Study (SIRS) deadlines, the December 31, 2026 milestone exception, and the January 1, 2026 records-posting rule for 25+ unit associations.
Read →SIRS Reserve Funding Under HB 913: What Actually Changed
HB 913 raised the reserve-item threshold to $25,000, changed special-assessment approval to a majority-of-voting-interests vote, and added SIRS affidavit requirements. The accurate version, corrected against the Florida Senate summary.
Read →Board Insurance Obligations Under Florida Statute 718.111(11)
The "adequate coverage" standard, the 3-year independent-appraisal requirement, and how mandatory windstorm coverage and its opt-out actually work for Florida condominium associations.
Read →Florida Claim Notice Deadlines Boards Miss
The 1-year notice and 18-month supplemental-claim deadlines, plus the condo-specific loss-assessment extension: notice is due the later of one year after the loss or 90 days after the board votes to levy the assessment.
Read →SB 2-A: What Changed for Boards
The December 2022 reforms still governing every claim: the 1-year/18-month notice deadlines, the assignment-of-benefits ban on policies issued on or after January 1, 2023, and the elimination of one-way attorney fees.
Read →Reopening a Denied or Underpaid Claim
Florida law may still give you time. The supplemental-claim window can let boards and owners revisit a claim that was denied, closed, or underpaid, if it is documented and filed correctly.
Read →The insurance side is the lever your board controls.
We make sure a covered claim is documented and paid in full, so recovery is not competing with reserve funding. Start with a free readiness review.