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2026 Legal News for Florida Condo Associations

Drone view of the Florida state capitol in Tallahassee, FL with the city skyline.

Keeping up with legal news for condominium associations in Florida can be overwhelming. In 2025 alone, these associations have shouldered the weight of numerous regulatory demands. However, there’s still much more to do. Read on to learn the 2026 legislative updates that impact Florida condos.

2026 Website Requirements for Condos in Florida

In today’s tech-centric world, it’s nearly impossible for associations to move ahead without a digital presence. Websites and apps not only foster regular communication, but they also promote transparency and trust.

Beginning January 1, 2026, HB 1021 requires condo associations with 25 or more units to provide access to documents on their website or app. Previously, this requirement applied to condo associations with 150 or more units.  

A valuable resource, an association’s website serves as an all-in-one hub for community members to access essential information and stay up-to-date.

RELATED: “Ways to Maximize Your Community’s Website Content”

What Documents Must Be Included on the Website?

Florida’s Condominium Act says that condo associations must make certain records available on their website. These documents include the:

  • Declaration

  • Bylaws

  • Articles of Incorporation

  • Amendments

  • Rules and regulations

  • Approved meeting minutes

  • Contracts with the association

  • Annual budget

  • Annual financial report

Additional documents, such as accounting records, building permits, reserve studies, and some inspection reports, may also be required.

WATCH NOW: “Access to Association Records: Legislative Changes & What You Need to Know”

What Happens If You Don’t Comply?

Limiting access to records can lead to serious charges and even board member removal from office. Here are the potential penalties for infractions:

  • First-degree misdemeanor: Anyone who knowingly or intentionally defaces or destroys records.

  • Second-degree misdemeanor: A director or manager who knowingly, willfully, and repeatedly violates access to records.  

  • Third-degree felony: A person who willfully and knowingly refuses to release or produce records to avoid or escape detection, arrest, trial, or punishment for a crime. A person who does this to assist another person in avoiding a crime also commits a third-degree felony.

The 2025 Deadline for the Structural Integrity Reserve Study (SIRS)

Florida’s HB 913 extended the condo Structural Integrity Reserve Study (SIRS) requirement from December 31, 2024, to December 31, 2025. A reserve study inspects the property and reserve account and analyzes all anticipated capital improvements and repairs. It also recommends how much money and at what rate the association should save to carry out the repair on time.

Specifically, Florida laws say that the SIRS must include inspection of the items that contribute to the structural integrity and safety of the building:

  • Roof

  • Structure, including load-bearing walls

  • Fire protection systems

  • Plumbing

  • Electrical systems

  • Waterproofing and exterior painting

  • Windows and exterior doors

Who Performs the Reserve Study?

The SIRS requires that a licensed engineer, licensed architect, certified reserve specialist, or professional reserve analyst perform the reserve study. The study should outline specific details for each item, including:

  • The estimated remaining useful life

  • Estimated replacement cost

  • Deferred maintenance expense

  • Reserve funding schedule

  • Recommended annual reserve amounts to replace or repair it

LEARN MORE: “HOA 101: A Complete Guide to Reserve Studies”

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The 2026 Deadline for Fully-Funded Reserves 

Thanks to HB 913, the deadline to fully fund reserves is January 1, 2026. Now, projects costing $25,000 must have sufficient reserves, up from the previous $10,000 limit. This allows the board to focus its budgeting efforts on more essential repairs and replacements.

Going forward, the reserve threshold amount will be adjusted annually for inflation. The next adjustment will take place on February 1, 2026.

How to Fund Reserves

According to Florida law, reserves can be funded in a variety of ways beyond regular assessments. The law allows them to be funded through:

  • Loans. A loan allows the association to pay for the project over time. Collateralized against future assessments, it may not require an increase in regular owner dues.

  • Special assessments. Special assessments are additional fees levied by a board to cover urgent expenses.

  • Line of credit. This flexible loan from your bank may permit you to borrow and repay a certain amount of money over a predetermined period.

FREE DOWNLOAD: “Everything You Need to Know About Securing a Loan for Your Homeowner Association Project”

How Boards Can Avoid Legal Risks

Staying current on the annual legislative changes that affect condo associations in Florida can be a challenge, but it’s crucial to success. With so much on your plate, it’s difficult to constantly monitor the legal landscape. To ensure you’re always in compliance and avoid legal risks, partner with a professional condo management company or refer to legal counsel.

At Associa, we offer the resources, services, and solutions you need to thrive in 2026 and beyond. Our credentialed managers are backed by a team of financial and legal experts, so you can entrust us with maintaining your association’s regulatory compliance and accounting measures. To learn more, contact us today.   

The My Safe Florida Condominium Pilot Program

House Bill 1029 was adopted in 2024 to enhance inspections and grants to assist condominium associations near a coastline to prepare against hurricane damage. The My Safe Florida Condominium Pilot Program offers grants to eligible condominiums to make improvements recommended in a hurricane mitigation report. It’s based on a similar My Safe Florida Home program.

With only $30 million in initial grant funding, not every condominium association applicant was awarded money, as applications quickly exceeded funding capacity. In 2025, the Legislature adopted HB 393, enacting some additional qualifiers for the program and funding requirements to promote accountability. Many 2024 applicants are expected to be disqualified based on the updated requirements. As of mid-year 2025, most of the applications had not yet been funded, as they had not progressed to the payment stage. 

To learn more about the program, watch our webinar “What Is the 2024 My Safe Florida Condominium Pilot Program?” or visit the state’s My Safe Florida Condo website.