The Association acts as the trustee for all unit owners and mortgage holders when receiving insurance proceeds for the common elements.
If there’s a total loss, who handles the insurance money? Read More »
The Association must maintain adequate property insurance for the full replacement cost of the building (minus your interior items). This is mandatory regardless of what your Declaration says.
What is the Association’s responsibility for “adequate insurance”? Read More »
Usually, no. 718.111(11) specifically excludes items like floor/wall/ceiling coverings, electrical fixtures, appliances, water heaters, and built-in cabinets inside your unit. Those are on you.
Does the Association’s insurance cover my granite countertops? Read More »
Every 36 months. The statute requires an independent “replacement cost” appraisal to ensure the building isn’t under-insured.
How often does the Association need an insurance appraisal? Read More »
If a unit is abandoned, the Board can enter to inspect, turn on utilities, or mitigate mold/damage—at the Board’s sole discretion—to protect the rest of the building.
What about “abandoned” units? Read More »
The Association has an irrevocable right of access during reasonable hours for maintenance or repairs of common elements, or if necessary to prevent damage to other units.
Does the Association have the right to enter my unit? Read More »
You do! The Association is a Florida corporation where every unit owner is a shareholder (member). Statute 718.111 mandates it must be a corporation for profit or non-profit.
Who actually owns the “Association”? Read More »
Recent updates clarify that the Association is generally responsible for the cost of removing and reinstalling hurricane protection if it’s necessary for building maintenance.
Who pays for hurricane shutter removal during building repairs? Read More »