Section 720.401 disclosure summary
Florida HOAs must provide a disclosure summary covering assessments, use restrictions, voting rights, and board member contact information. This summary is required for all resale transactions.
Florida
Florida HOA document ordering with state law compliance.
Florida has some of the most HOA-dense housing stock in the country. Section 720.401 of the Florida Statutes and the Florida Condominium Act impose strict disclosure requirements, buyer rescission rights, and document delivery standards. Our Florida service ensures compliance on every file.
Florida HOA Disclosure Requirements
Florida law protects buyers with comprehensive disclosure rights and rescission protections.
Florida Condominium Act
Condominium sales are governed by Chapter 718, which requires additional disclosures including the association budget, reserve funding, and pending litigation.
Three-day rescission right
Florida buyers have three business days after receiving the HOA disclosure documents to rescind the contract without penalty. Late delivery extends this period.
Coastal and flood zone requirements
Florida properties in flood zones face additional insurance and elevation certificate requirements. Associations must carry adequate flood coverage.
Common Florida HOA Challenges
Florida's unique market creates specific document challenges that teams need to navigate.
High volume of condo transactions
Florida has an exceptionally high concentration of condominiums. Condo transactions require more documents and stricter lender scrutiny than single-family HOA sales.
Seasonal board turnover
Many Florida associations have seasonal residents, which means board membership and management contacts change frequently. Outdated contact information causes delays.
Hurricane and wind coverage
Florida associations must carry windstorm and hurricane coverage. Lenders require proof of adequate coverage, and gaps can stall closing.
Investor and rental restrictions
Many Florida associations impose rental caps, minimum lease terms, and investor fees. These restrictions affect investment property transactions.
How We Support Florida Closings
We work with Florida associations daily and understand the state's unique transaction environment.
Condo package expertise
We handle the full condominium disclosure package including budgets, reserves, litigation summaries, and lender questionnaires.
Seasonal contact management
We maintain current contact information for Florida associations and update our records as board membership changes.
Insurance verification
We verify flood, wind, and hurricane coverage adequacy and flag gaps before they reach the lender.
Statewide Florida coverage
From Miami to Jacksonville, Tampa to Orlando, we support title and escrow teams across Florida.
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