Resources
Educational articles, practical checklists, and Florida statute references — written in plain language for board members, officers, and property managers.
Articles
What Every Florida Condo Board Should Know About Master Policy Insurance
A board member's guide to understanding your association's master property insurance policy, what it covers, what it doesn't, and what Florida law requires.
What Your Board Should Know Before Insurance Renewal
A practical guide for condo and HOA board members to prepare for insurance renewal season — what to review, what to ask, and how to avoid common mistakes.
Insurance Appraisals: Why Your Association's Coverage Limit Is Probably Wrong
Most community associations are insured based on outdated replacement cost estimates. Here's how insurance appraisals work, why they matter, and what your board should do about it.
Understanding Wind Mitigation Credits in Florida
Wind mitigation inspections can reduce your association's property insurance premium by 20% or more. Here's how the credits work, what inspectors look for, and how to make sure your building qualifies.
Surplus Lines Insurance: What Gulf Coast Associations Need to Know
More coastal community associations are being placed in the surplus lines market. Here's what that means, how it's different from admitted carriers, and what your board should understand.
Flood Insurance for Associations: NFIP vs. Private Markets
NFIP flood policies have coverage caps that leave most associations exposed. Here's how private flood markets work, what they cover, and when your association should consider them.
D&O Insurance for Community Association Board Members: A Practical Guide
Serving on your HOA or condo board? Here's what directors and officers insurance actually covers, why volunteers need it, and what Florida law does (and doesn't) protect.
The True Cost of Being Underinsured: What Associations Don't See Until It's Too Late
Being underinsured is one of the most common and costly mistakes community associations make. Here's how it happens, what it costs when a loss occurs, and how your board can prevent it.
Milestone Inspections and Insurance: What Florida Association Boards Need to Know
Florida's milestone inspection requirements (SB 4-D) have direct implications for your association's insurance program. Here's how structural inspections and insurance coverage intersect.
Practical Tools
Checklists & Guides
Print-ready checklists for board meetings, renewal season, and emergency preparation. Based on real governance workflows.
Insurance Renewal Preparation Checklist
- Start renewal process 90–120 days before expiration
- Request current loss runs from your carrier
- Obtain a current property insurance appraisal (update every 3–5 years)
- Review governing documents for minimum coverage requirements
- Confirm wind mitigation inspection is current
- Request side-by-side carrier comparisons from your agent
- Verify named storm deductible is funded in reserves
- Confirm flood coverage limits vs. building replacement cost
- Review D&O and fidelity bond limits
- Document board's insurance review and approval in meeting minutes
Board Meeting Insurance Review Guide
- Confirm all coverage types are in place (property, GL, D&O, umbrella, flood, fidelity bond)
- Review total insured property value against current replacement cost
- Check that liability limits meet governing document minimums
- Review any open claims and their status
- Confirm workers' compensation coverage if association has employees
- Verify certificate of insurance for all vendors working on property
- Review unit owner HO-6 policy requirements and communication
- Discuss any upcoming capital projects that may affect coverage needs
Post-Storm Claims Preparation Guide
- Ensure board member and management contact information is current
- Keep a copy of the insurance policy declarations page accessible off-site
- Document pre-storm building condition (photos/video of common areas)
- Know your carrier's claims reporting phone number and process
- Understand your named storm deductible amount and how it's funded
- Identify your public adjuster or claims advocate contact (if applicable)
- Prepare an emergency communication plan for unit owners
- Review temporary repair authorization limits in your policy
Reference
Florida Statutes & Regulations
Key Florida laws that govern community association insurance requirements. Links open the official Florida Legislature website.
Chapter 718 — Condominium Act
Insurance requirements for condominium associations, including mandatory coverage types and minimum limits.
Chapter 720 — HOA Act
Homeowners' association governance, including insurance and fidelity bond requirements.
§626.112 — License Required to Transact Insurance
Defines who must hold an insurance license and what constitutes transacting insurance business in Florida.
§627.714 — Unit Owner Coverage / HO-6 Policies
Governs the interaction between the association's master policy and individual unit owner HO-6 policies.
§627.0629 — Wind Mitigation Credits
Requires insurers to provide premium discounts for buildings with wind-resistant construction features.
SB 4-D (2022) — Structural Inspection Requirements
Milestone structural inspection and reserve study requirements for condominium and cooperative associations.
Links point to the official Florida Legislature website (leg.state.fl.us) and the Florida Senate (flsenate.gov). Statutes are subject to amendment — verify current text for legal purposes.
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