Florida Homeowners’ Guide to HOA Laws

In addition to laws specifically applicable to condominiums and HOA’s, Florida associations are impacted by several federal laws and other generally applicable state statutes - depending, in part, on how the association is structured.

The federal and Florida statutes likely to affect HOAs, condo associations, cooperatives, and non-profits include:

1. Homeowners’ Association Act
2. Condominium Act
3. Non-Profit Corporation Act
4. Cooperative Act
5. Fair Housing Act (FHA)
6. Americans With Disabilities Act (ADA)
7. Fair Debt Collection Practices Act (FDCPA)
8. Other Federal Laws

Homeowners’ Association Act

The Florida Homeowners’ Association Act (HAA), Fla. Stat. §720.301, et. seq., governs the formation, management, powers, and operation of HOAs in Florida. The law specifically applies to not-for-profit organizations operating residential homeowners associations in Florida. Fla. Stat. §720.302(1).

Florida’s HAA is a more detailed law providing a more comprehensive statutory framework than the HOA laws in most states. The Act that governs homeowners’ associations in Florida is divided into the following parts:

Chapter 20 - Homeowners' Association Act