Chapters 718 & 720 Compliant

Florida Association Compliance Software

Stay Compliant. Stay Protected.

HOA Cloud helps condominium and homeowners associations manage compliance, organize official records, and navigate complex governance requirements — all in one secure platform.

Purpose-built for associations operating under Florida Statute 718 and Florida Statute 720.

Compliance Dashboard

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Chapter 718 Compliant
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Chapter 720 Compliant
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Documents Posted
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Meeting Notices
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Statute-by-Statute Coverage

Florida Statute Compliance Map

HOA Cloud provides automated compliance for every major Florida association statute. See exactly which features satisfy each legal requirement.

Chapter 718 — Florida Condominium Act

§718.111(12) — Official Records

Condo website posting requirements

Fully Covered
  • Automated document portal with 24/7 resident access
  • AI-powered document categorization by statute requirement
  • 7-year retention with automatic archival tracking
  • Official records available within 10 business days
  • Governing documents, budgets, minutes auto-posted
  • Insurance certificates and SIRS studies managed

§718.111(12)(g) — Digital Accessibility

Electronic access to official records

Fully Covered
  • Secure online resident portal with login credentials
  • Mobile-responsive design for phone and tablet access
  • Searchable document library with full-text search
  • Download and print capabilities for all records
  • Role-based access controls for sensitive documents
  • Email notifications when new documents are posted

§718.128 — Electronic Voting

Electronic voting for condominiums

Fully Covered
  • Secure online ballot distribution and collection
  • Identity verification for each unit owner vote
  • Automated vote tabulation with real-time results
  • Complete audit trail for election integrity
  • Consent tracking for electronic voting authorization
  • Support for board elections and amendment votes

§718.112(2)(d) — Meeting Notices

48-hour and 14-day notice requirements

Fully Covered
  • Automatic 48-hour notice posting for board meetings
  • 14-day advance notice for annual and budget meetings
  • Email and text notifications sent to all members
  • Delivery tracking with compliance timestamp records
  • Blocks meeting creation if notice period is too short
  • Agenda posting and approved minutes within 30 days

§718.112(2)(g) — SIRS Requirements

Structural Integrity Reserve Studies

Fully Covered
  • SIRS tracking for buildings 3+ stories (effective 2025)
  • Automated alerts before study expiration dates
  • Current and prior study posting on association website
  • Board certification and affidavit management
  • Reserve funding plan documentation and tracking
  • Milestone inspection deadline monitoring

§718.112(2)(f) — Annual Budget

Budget adoption and distribution requirements

Fully Covered
  • Proposed budget distributed 14+ days before meeting
  • Adopted budget posted within 30 days of approval
  • Year-end financial statements auto-posted
  • Reserve fund allocation tracking and reporting
  • Assessment calculation and disclosure automation
  • Budget comparison reports (year-over-year)

Chapter 720 — Florida Homeowners Association Act

§720.303(4) — Official Records

HOA official records requirements

Fully Covered
  • Complete document management for all HOA records
  • Governing documents posted with version control
  • Member inspection rights fulfilled via online portal
  • Records available within 10 business days of request
  • Automatic retention policy enforcement (7 years)
  • Secure storage with backup and disaster recovery

§720.317 — Electronic Voting

Electronic voting for HOAs

Fully Covered
  • Online voting platform for HOA elections
  • Parcel-owner identity verification
  • Real-time vote counting and result display
  • Full audit trail meeting statutory requirements
  • Electronic consent management for voting opt-in
  • Proxy voting and absentee ballot support

§720.306(5) — Meeting Notices

HOA meeting notice requirements

Fully Covered
  • 48-hour notice posting for all board meetings
  • 14-day advance notice for member meetings
  • Multi-channel delivery (email, text, website posting)
  • Compliance-timestamped delivery confirmations
  • Meeting agenda and materials distribution
  • Minutes posting within required timeframes

§720.303(7) — Financial Reporting

Budget and financial reporting for HOAs

Fully Covered
  • Annual financial report generation and posting
  • Budget preparation tools with assessment calculations
  • Financial statement distribution to all members
  • Reserve fund tracking and reporting
  • Assessment disclosure automation
  • Export-ready reports for CPA review

Recent Legislation — Website Requirements

HB 1021 — Condo Website Requirement

Effective January 1, 2026 — Condos with 25+ units

Ready Now
  • Dedicated association website included in all plans
  • Automated posting of all required official records
  • Secure member-only access portal with login
  • Mobile app access for residents on any device
  • Meeting notices, budgets, and minutes auto-posted
  • Compliant before the January 1, 2026 deadline

HB 1203 — HOA Website Requirement

Effective January 1, 2025 — HOAs with 100+ parcels

Ready Now
  • Turnkey HOA website satisfying all HB 1203 requirements
  • Document posting compliant with §720.303(4)
  • Meeting notices compliant with §720.306(5)
  • Financial reporting compliant with §720.303(7)
  • Member access portal with document search
  • Already compliant — no setup delay needed

Complete Statute Coverage Summary

Statute / LawRequirementApplies ToHOA Cloud
§718.111(12)Official records postingCondo
§718.111(12)(g)Digital accessibility of recordsCondo
§718.128Electronic votingCondo
§718.112(2)(d)48-hour & 14-day meeting noticesCondo
§718.112(2)(g)SIRS — Structural Integrity Reserve StudiesCondo (3+ stories)
§718.112(2)(f)Annual budget requirementsCondo
§720.303(4)Official recordsHOAs
§720.317Electronic votingHOAs
§720.306(5)Meeting notice requirementsHOAs
§720.303(6)–(7)Budget & financial reportingHOAs
HB 1021Website requirement (25+ units)Condo
HB 1203Website requirement (100+ parcels)HOAs

What Florida Association Compliance Requires

Florida has the strictest association laws in the nation. Here's what your association must do to stay compliant with Florida Association compliance requirements.

Chapter 718

Florida Condominium Act

  • Website posting of governing documents
  • Annual budget posted within 30 days of adoption
  • Proposed budget distributed 14+ days before meeting
  • Meeting notices posted 48 hours in advance
  • Approved minutes posted within 30 days
  • SIRS study for buildings 3+ stories (effective 2025)
  • Record-retention requirements (generally at least 7 years, with some records kept permanently)
  • Official records available within 10 business days

Chapter 720

Florida Homeowners Association Act

  • Similar document posting requirements
  • Assessment disclosure requirements
  • Meeting notice requirements
  • Record retention policies
  • Member inspection rights
  • Financial reporting obligations
  • Amendment procedures
  • Voting and election requirements

Common Violations & Penalties

Non-compliance with Florida association laws can be costly. Don't let your association face these penalties.

Document Posting

Failure to post required documents

Minimum damages of $50/day for up to 10 days (a floor, not a cap) for willful untimely records access

Meeting Notices

Late meeting notices

Meeting may be invalidated

SIRS Study

Missing SIRS study

Personal board liability

Record Retention

Improper record retention

Legal liability exposure

How HOA Cloud Automates Florida Compliance

Our Florida Association compliance software handles everything automatically, so you never have to worry about missing a deadline or facing a fine.

Automatic Document Posting

When you upload a document, HOA Cloud automatically:

  • Categorizes it by Florida statute requirements
  • Posts to the correct location
  • Tracks posting date for retention
  • Alerts you to missing required documents

48-Hour Meeting Notice Enforcement

Create a meeting and HOA Cloud:

  • Automatically posts notice 48+ hours before
  • Sends email/text notifications to members
  • Tracks delivery for compliance records
  • Blocks posting if too close to meeting time

SIRS Tracking (3+ Story Buildings)

For condominium associations 3 stories or higher:

  • Tracks SIRS study requirements
  • Alerts before study expires
  • Posts current and prior studies
  • Manages affidavit requirements

7-Year Retention with 12-Month Posting

HOA Cloud enforces Florida's document requirements:

  • 7-year minimum retention for official records
  • 12-month minimum website posting
  • Automatic archival after posting period
  • Complete audit trail of all documents

Real-Time Compliance Dashboard

See your compliance status at a glance. Our Florida HOA compliance software gives you instant visibility into:

  • Compliant - All requirements met
  • At Risk - Action needed soon
  • Non-Compliant - Immediate attention required
Overall Compliance Score98%
Chapter 718
100%
Chapter 720
96%

Florida Association Compliance Checklist

Use this checklist to verify your association's compliance with Chapter 718 and Chapter 720 requirements.

Governing Documents

  • Declaration of covenants posted
  • Bylaws posted
  • Rules and regulations posted
  • Articles of incorporation posted

Financial Documents

  • Current year budget posted (within 30 days)
  • Proposed budget distributed (14+ days before)
  • Annual financial report posted
  • Year-end financial statement posted

Meeting Requirements

  • Meeting notices posted 48 hours in advance
  • Agendas available before meetings
  • Approved minutes posted within 30 days

Insurance & Reserves

  • Insurance certificate posted
  • Reserve study available (SIRS for 3+ stories)
  • Reserve funding plan documented

Records Management

  • 7-year retention policy in place
  • Records available within 10 business days
  • Exempt records properly protected

Member Access

  • Online portal for document access
  • Secure login for members
  • 24/7 availability of records

Frequently Asked Questions

Common questions about Florida Association compliance software and Chapters 718 & 720.

Is HOA Cloud compliant with Florida Association laws?

Yes. HOA Cloud is built specifically for Florida associations and automatically enforces Chapter 718 (COA) and Chapter 720 (HOA) compliance requirements. We cover §718.111(12) official records, §718.128 electronic voting, §720.303(4) HOA records, §720.317 electronic voting, HB 1021 condo website requirements, and HB 1203 HOA website requirements.

Does HOA Cloud support Florida Chapters 718 and 720?

Yes. HOA Cloud provides automated compliance tracking and enforcement for both Florida Statute 718 (Condominium Act) and 720 (Homeowners Association Act), including §718.111(12) official records posting, §718.128 electronic voting, §718.112(2)(g) SIRS requirements, §720.303(4) HOA official records, §720.317 electronic voting, 48-hour meeting notices per §718.112(2)(d), and record-retention requirements (generally at least 7 years, with some records kept permanently).

What documents must Florida HOAs post online under §718.111(12)?

Under §718.111(12), Florida condominiums must post official records online including governing documents, annual budgets, proposed budgets, financial reports, SIRS studies (3+ story buildings per §718.112(2)(g)), insurance certificates, meeting notices (48 hours prior per §718.112(2)(d)), and approved meeting minutes. §718.111(12)(g) requires digital accessibility. HOA Cloud automates all of these requirements.

How long must Florida HOAs retain records?

Florida requires 7-year retention for most official records under §718.111(12) for condos and §720.303(4) for HOAs, with a 12-month minimum posting period on the association website. HOA Cloud automatically enforces these retention and posting requirements.

What are the penalties for Florida HOA non-compliance?

Penalties can include minimum damages of $50 per day for up to 10 days (a floor, not a cap) for willfully failing to provide timely access to official records under §720.303(5), board actions subject to challenge for improper meeting notice under §720.306, personal liability exposure for directors who breach their duties under §720.303(1), and legal action from members for records-access violations.

What is SIRS under §718.112(2)(g) and does HOA Cloud track it?

SIRS (Structural Integrity Reserve Study) is required under §718.112(2)(g) for Florida condominiums 3 stories or higher, effective 2025. HOA Cloud tracks SIRS requirements, alerts before studies expire, posts current and prior studies on the association website, and manages the affidavit requirements for board certification.

How does HOA Cloud automate 48-hour meeting notices under §718.112(2)(d)?

Per §718.112(2)(d) for condos and §720.306(5) for HOAs, meeting notices must be posted at least 48 hours in advance (14 days for budget meetings). When you create a meeting in HOA Cloud, the system automatically posts notice 48+ hours before, sends email/text notifications to members, tracks delivery for compliance records, and blocks posting if too close to meeting time.

Does HOA Cloud support electronic voting under §718.128 and §720.317?

Yes. HOA Cloud provides a complete electronic voting system compliant with §718.128 (condominiums) and §720.317 (HOAs). This includes secure online ballot distribution, identity verification, vote tabulation with full audit trail, and compliance with consent requirements for electronic voting authorization.

What is HB 1021 and does HOA Cloud comply with it?

HB 1021 requires Florida condominiums with 25 or more units to maintain a website or app for posting official records, effective January 1, 2026. HOA Cloud fully satisfies this requirement by providing a dedicated association website with automated document posting, member access portals, and complete records management.

What is HB 1203 and how does it affect Florida HOAs?

HB 1203 requires Florida homeowners associations with 100 or more parcels to maintain a website or app for posting official records, effective January 1, 2025. HOA Cloud provides a turnkey solution that satisfies HB 1203 requirements including document posting under §720.303(4), meeting notices under §720.306(5), and financial reporting under §720.303(7).

What are the annual budget requirements under §718.112(2)(f) and §720.303(6)?

For condominiums, proposed budgets must reach owners at least 14 days before the budget meeting (§718.112(2)(e)), and §718.112(2)(f) sets the budget and reserve content. For HOAs, §720.303(6) governs budgets and §720.303(7) requires the annual financial report (prepared within 90 days of fiscal year end, delivered no later than 120 days). HOA Cloud automates budget posting, enforces the 14-day distribution requirement, and tracks all financial reporting deadlines.

Free Compliance Audit

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