2026 HOA Laws in Florida
Everything homeowners need to know about their rights and HOA regulations
Florida has some of the most comprehensive HOA regulations in the United States. The Florida Homeowners' Association Act (Chapter 720) provides significant protections for homeowners while defining the scope and limitations of HOA authority.
- Right to attend and speak at board meetings
- Right to view HOA records within 10 business days
- Protection against selective enforcement
- Right to due process before fines are imposed
- Limited liability for prior owner violations
- Right to display the American flag
- Right to install solar panels (with reasonable restrictions)
- Protection against unreasonable parking restrictions
- Right to rent your property (unless restricted before purchase)
- 90-day notice requirement before foreclosure
- Can levy fines up to $100/day (max $1,000) for violations
- Can place liens on properties for unpaid assessments
- Can adopt and enforce reasonable rules
- Can restrict certain architectural changes
- Can require architectural approval for modifications
- Can tow vehicles in violation of parking rules
- Cannot ban flags, solar panels, or clotheslines unreasonably
- Cannot impose fines without proper notice and hearing
Key Laws You Should Know
Important statutes that protect your rights in Florida
Defines what HOAs can and cannot do, including limitations on fines and enforcement.
Outlines homeowner responsibilities including paying assessments and following CC&Rs.
Governs how assessments are collected and what happens when they're not paid.
Requires pre-suit mediation before filing lawsuits against the HOA.
Common HOA Disputes in Florida
The most frequent conflicts between homeowners and HOAs
Selective enforcement of architectural guidelines
Excessive fines for minor violations
Lack of proper notice before hearings
Improper architectural review denials
Parking restriction disputes
Assessment increases without proper notice
Important Deadlines
Time-sensitive actions you need to take to protect your rights
Response to Violation Notice
Usually 14 days to respond or request a hearing
Request HOA Records
HOA must respond within 10 business days
Fine Appeal
File appeal within 30 days of the fine
Pre-Lien Notice Response
45 days before lien can be filed
Worried about a violation in Florida?
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HOA Laws in Other States
Explore HOA regulations across the United States