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Common Elements is not a law firm and does not provide legal services. Plain-English summaries, topic guides, and synced statutory text help you find the right citation faster. Always confirm the current official version on the official leg.state.fl.us (statutes) or flrules.org (administrative rules) before relying on any citation.
Viewing Florida statutes
Wind, flood, and property insurance duties after a casualty — including who maintains what and allocation of proceeds.
When this usually comes up
After a hurricane, fire, or when the carrier denies a common-element claim.
Topic guides are written for Florida law today. Use the state picker on statute pages when browsing other jurisdictions; linked sections below are from the Florida library.
Condo insurance duties
Defines the association as the corporate entity responsible for operating the condominium, lists its powers (contracting, levying assessments, hiring management, enforcing covenants), and imposes specific obligations including records inspection rights for owners, fidelity bonding for those handling funds, and limits on what the association can do with common elements.
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Maintenance & hurricane protection
Spells out who maintains what — association responsibility for common elements, unit-owner responsibility for the unit interior, and the gray-area items in between (windows, doors, balconies, in some cases). Also covers material alterations (board-only vs unit-owner-vote thresholds), display of the US flag, and hurricane-protection installations.
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HOA insurance
The omnibus section for HOA governance. Lists what the association can and must do — borrow money, levy assessments, maintain records, hold annual + budget meetings, give notice to members, allow records inspection, file annual financial reports. Parallels Chapter 718's § 718.111 + § 718.112 combined.
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