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.

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

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.

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.