Reference

Guides

Reference material on Florida condominium insurance and compliance. Everything here is cited to primary sources — statutes, regulatory filings and agency data — with as-of dates, and figures we calculated ourselves are labeled as derived.

Florida law

Florida Condo Insurance Requirements: Association vs. Unit Owner

What § 718.111(11) actually requires, what the statute makes the owner's responsibility, and why the HO-6 obligation comes from your declaration and your lender rather than a state mandate. Includes the 2010 repeal that a great deal of published guidance still misses.

Florida Milestone Inspections & SIRS: What Actually Applies in 2026

The post-Surfside legislation chain from SB 4-D through HB 913, current inspection deadlines, whether reserves can still be waived or paused, and what the 2026 session changed. Corrects the widely repeated 3-mile coastal rule.

Loss Assessment Coverage in Florida

What the $2,000 statutory floor actually buys, the peril test that catches boards out, and why no loss assessment limit covers a SIRS reserve shortfall or a milestone repair.

Fundamentals

What Is a Declarations Page?

How to read a dec page, how it differs from a certificate of insurance or a binder, and the six things an association checks on one.

HO-6 vs. HO-4 vs. Wind-Only

Which policy form satisfies which requirement, and how a wind-excluded HO-6 plus a wind-only policy work as a pair that neither satisfies alone.

Operations & data

The Florida HO-6 Compliance Checklist

The printable working checklist for boards and managers: what to require, what to collect, how to verify a dec page, what to track monthly — and the four enforcement mistakes based on repealed law.

How Associations Track HO-6 Compliance

Spreadsheet vs. software, including when a spreadsheet is genuinely good enough and the five points at which manual tracking predictably breaks.

How PM Firms Track HO-6 Compliance Across a Portfolio

What changes at portfolio scale: per-association requirement profiles, renewals that never stop, staff assignment, board reporting — and why the management agreement makes the paper trail the deliverable.

How to Choose HOA Insurance-Tracking Software

The twelve questions to ask any vendor, pricing models compared, and the red flags — written by a vendor, bias disclosed, framework portable.

Florida Condo Insurance Statistics (2026)

Premiums by county from FLOIR, the national comparison from NAIC, Citizens depopulation figures, DBPR market size — and why the widely quoted "65% underinsured" figure should not be used.

Compare & calculate

Loss Assessment Exposure Calculator

Estimate each owner's share of the association's master policy deductible against their loss assessment limit, and see the gap against Florida's $2,000 statutory minimum.

HO-6 Compliance Cost Calculator

What compliance tracking costs your association, worked out before any sales call — published per-unit rates, no email required.