# Florida HB 913: Condominium and Cooperative Associations Florida HB 913, Condominium and Cooperative Associations, is a 2025 House bill sponsored by Vicki L. Lopez (Republican); status signed, last action 2025-06-24 (Chapter No. 2025-175); PRIA reads it as touching household money (as of 2026-10-17). - Canonical: https://policyrisk.com/state-bill/FL-HB913-2025 - As of: 2026-10-17 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Florida HB 913 - State: Florida - Session: 2025 - Title: Condominium and Cooperative Associations - Status: signed - Chamber: House - Introduced: 2025-02-23 - Last action: 2025-06-24, Chapter No. 2025-175 - Sponsor: Vicki L. Lopez (Republican) - Cosponsors: 2 - Subjects: Appropriation, Housing, Agriculture & Tourism Subcommittee, Budget Committee, Commerce Committee, House Calendar, Rules - Touches household money: yes - Roll calls: 3 (262 yes, 2 no in all) - Economic provisions PRIA read: 40 ## Summary No summary available. ## Bill overview: provisions PRIA read - Condo owners get alternative budget votes: benefit, medium. Beginning July 1, 2025, condo boards must offer a substitute budget when proposed assessments exceed 115% of the prior year’s assessments. Both budgets must be proposed at the budget meeting. The substitute must leave out discretionary spending not required in the budget. Adoption requires a majori… - Insured warranties reach more condominium types: benefit, low. Qualifying insured warranty programs can cover condominiums generally, not just residential condominiums. A Florida-licensed and registered insurance company must back the program. Programs must meet the condominium chapter’s minimum requirements, and any requirements the warranty does not satisfy… - Associations Gain Safeguards Against Conflicted Deals: benefit, low. Associations considering potentially conflicted bids over $2,500 for goods or non-management services must seek multiple bids from other providers. This requirement does not apply when the conflict was disclosed in the management-services contract. If the board finds a covered manager conflict viol… - Condo and cooperative buyers get review time: benefit, low. Condo sale contracts signed after December 31, 2024, must clearly identify required-but-incomplete inspections or reserve studies, or state they are not required. For qualifying condo and cooperative resales after that date, completed inspection and study documents trigger a seven-day cancellation… - Condo associations can challenge shared costs: benefit, low. Owners of non-condominium building portions sharing facilities with condos must report shared operating and maintenance costs to the association. Reports must include receipts and invoices and arrive within 60 days after each fiscal year ends. The Division can enforce the deadline and impose penalt… - Condo boards must verify manager licenses: benefit, low. Condo boards and officers must check that managers and management firms hold required licenses before signing contracts. Managers must maintain online license accounts listing their firm and onsite association assignments, updating changes within 30 days. Firms must identify their managers, and the… - Condo owners gain electronic voting options: benefit, low. Owners holding at least 25% of condo voting interests can petition for electronic voting at the next scheduled election. The petition must arrive within 180 days after the last scheduled annual meeting. The board must meet within 21 days after receipt to adopt an electronic-voting resolution. Assoc… - Condo owners get clearer records tracking: benefit, low. Condo official records must include committee minutes, video meeting recordings, bank statements, ledgers, and required affidavits; minutes may be electronic. When approved minutes exist, video recordings must remain available for at least one year after required posting. Written records requests r… - Condo Owners Get Hurricane Work Reimbursement: benefit, low. Owners do not pay to remove or reinstall hurricane protection when needed for work on property the association must maintain. The condominium declaration can assign those costs differently. If the declaration does not say who performs the work, the board decides. When the owner performs the work un… - Condo Owners Get More Meeting Options: benefit, low. Condo owner meetings can use video, with electronic voting under state law; recordings become official association records. Video annual meetings require a board quorum at the physical location, and video budget meetings must let remote speakers be heard. When bylaws name no annual meeting location… - Condo Study Professionals Must Disclose Conflicts: benefit, low. Reserve-study visual inspections must be performed or verified by a Florida-licensed engineer, architect, or qualified certified reserve professional. Design professionals and licensed contractors must disclose in writing their intent to bid on related recommended work. Bidders cannot hide ownershi… - Condo video meetings require access options: benefit, low. Condo boards can meet in person or by live video. Board and committee members joining through real-time electronic communication count toward a quorum and can vote. Video meeting notices must include a link, call-in number, and physical location for owners to attend. Associations must record video… - Cooperative Buyers Get Document Review Protections: benefit, low. Residential cooperative resale contracts entered after July 1, 1992, must provide key association documents or required buyer protections. Documents include the declaration, articles, bylaws, rules, latest annual financial statement and budget, plus written-requested questions and answers. Unless d… - Inspection bidders must disclose repair ties: benefit, low. Architects and engineers bidding on milestone inspections must disclose written plans to bid on related recommended work. Professionals bidding on cooperative reserve studies must make a similar disclosure. Bidders for recommended work must disclose covered financial or family ties to the inspectio… - Managers Must Reveal Conflicts To Boards: benefit, low. Association managers, firms, covered related people, and relatives must disclose possible conflicts, including provider referral fees, ownership, and profit sharing. Certain transactions without prior notice are presumed to involve a conflict, though that presumption can be challenged. Meeting noti… - More Condo Records Must Go Online: benefit, low. Beginning January 1, 2026, condo associations with at least 25 units and no timeshare units must post specified records online. Records must reach the website or mobile app within 30 days of receipt or creation, unless a shorter deadline applies. Required records include approved board minutes and… - Owners get clearer manager service protections: benefit, low. Management contracts cannot waive professional standards; applicable contracts must promise compliance with those standards and recordkeeping rules in at least 12-point type. Contracted managers or firms must attend at least one member or board meeting in person yearly. Members must receive represe… - Revoked Managers Face Ten-Year Work Ban: benefit, low. For 10 years after license revocation takes effect, a community association manager cannot directly or indirectly own a management firm. The person also cannot serve as its employee, partner, officer, director, or trustee. Reapplying for certification or registration under these rules is barred dur… - State expands oversight of community safety: benefit, low. After developer control ends, the state Division can review condo records and investigate complaints in added areas. These include milestone inspection procedures, required repairs, insurance or fidelity bonds, board education, and reserve-study reporting. For residential cooperatives, the Division… - Small Commercial Condos Face Control Limits: cost, low. Beginning July 1, 2025, nonresidential condos with 10 or fewer units are exempt from specified developer-turnover triggers. These include certain unit-sale milestones and seven-year triggers; other turnover triggers remain. For covered pre-owner-control agreements, the applicable cancellation quali… - Associations Can Borrow For Required Repairs: mixed, medium. Condo and cooperative associations can fund reserves through regular assessments, special assessments, credit lines, or loans. Special assessments, credit lines, and loans under these rules require approval by a majority of all voting interests. Owner-controlled associations requiring reserve studi… - Condo Assessment Increase Calculations Change: mixed, medium. The law changes which costs count toward the 115% assessment-increase test based on the prior fiscal year. Required reserves and specified nonregular repair, maintenance, and replacement costs for structural-study components are excluded. Insurance premiums and property betterments are no longer li… - Condo Closures Allow Reserve Funding Relief: mixed, medium. A condo board can pause or reduce reserves when a local official declares the entire building uninhabitable after a natural emergency. The law removes the separate requirement for approval by a majority of board members. Contributions must resume immediately when the official declares the building… - Condo Reserve Studies Get More Time: mixed, medium. Residential condo buildings with three or more habitable stories generally need a structural integrity reserve study at least every 10 years. Owner-controlled condo associations existing by July 1, 2022, get until December 31, 2025, instead of December 31, 2024. They can combine the study with a mi… - Condos Keep Coverage With Group Options: mixed, medium. Condo associations must maintain adequate property insurance even when their declarations set different requirements. When replacement cost determines coverage, that cost must be determined at least every three years through an independent appraisal or update. Associations can meet their duty throu… - Cooperatives can redirect reserves after disasters: mixed, medium. A cooperative board can use reserves for restoration when a local building official declares the entire building uninhabitable after a natural emergency. The board can pause reserve contributions or reduce reserve funding until the building is declared habitable. Reserve contributions must resume i… - Damaged buildings face repair start deadlines: mixed, medium. Counties and cities must adopt repair deadlines for covered buildings with substantial structural deterioration identified in a phase two inspection report. Covered owners and associations must start repairs within 365 days after receiving the report. The deadline addresses unsafe damage but can re… - Higher reserve thresholds for condo communities: mixed, medium. For condos and cooperatives, the cost threshold for qualifying reserve items rises from $10,000 to $25,000. A higher inflation-adjusted amount applies when set by the state Division. The Division must use January CPI-U inflation data and post the threshold by February 1, 2026, and annually afterwar… - Owners Can Temporarily Reduce Repair Reserves: mixed, medium. Eligible condo and cooperative associations can pause or reduce reserves to fund repairs recommended by a milestone inspection. For budgets adopted by December 31, 2028, a majority of all voting interests must approve. The inspection must have occurred within the previous two calendar years, and re… - Owners Face Limits On Reserve Spending: mixed, medium. For budgets adopted on or after December 31, 2024, covered owner-controlled associations cannot redirect structural reserves to unrelated expenses. Condo restrictions also cover interest earned on those reserves. Owner-controlled cooperatives requiring a structural integrity reserve study cannot vo… - Qualified reserve studies with repair delays: mixed, medium. A structural reserve study’s visual inspection must be performed or checked by a licensed engineer, architect, or certified reserve-study professional. Condo and cooperative associations can delay a required study after completing a required milestone inspection or similar local inspection. The del… - Reserve Studies Must Track Funding Plans: mixed, medium. Condo and cooperative reserve studies must recommend a baseline plan keeping reserve cash above zero in every budget year. Other recommended schedules must also cover the association's maintenance duties. Condo studies must account for assessments, credit lines, loans, and other funding methods use… - Taller Condo Buildings Must Get Inspections: mixed, medium. Milestone inspections cover buildings with at least three habitable stories under the Florida Building Code and residential condo or cooperative ownership. Inspections generally start at age 30 and repeat every 10 years. Buildings reaching 30 before July 1, 2022, had an initial deadline of December… - Association boards must invest funds carefully: mixed, low. Condo and cooperative boards must use their best efforts to invest operating and reserve funds prudently, weighing risk and return. They can invest reserves in certificates of deposit or deposit accounts at specified banks, savings institutions, and credit unions. These investments do not require a… - Associations Gain Reserve Accounting Options: mixed, low. Condo and cooperative associations can pool reserve accounts for two or more required components. Structural-study components can be pooled only with other covered structural-study components, and budgets must cover projected pooled expenses. Boards can switch between pooling and separate straight-… - Commercial Condo Changes Need Fewer Approvals: mixed, low. For nonresidential condos formed on or after July 1, 2025, certain major unit changes need only affected parties' approval. All affected unit owners and their lienholders must join the declaration amendment; unaffected owners need not approve. Covered changes include unit size or layout, attached r… - Community boards gain emergency evacuation powers: mixed, low. Condo boards can require evacuation when an evacuation order covers their area. Cooperative boards have similar authority during a declared emergency, subject to applicable law and cooperative documents. The cooperative area order need not be labeled mandatory. Associations gain protection from lia… - Condo Owners Gain Financial Oversight Safeguards: mixed, low. A condo association needs approval from a majority of all voting interests to use a less rigorous financial report. A majority of votes present at a meeting is no longer enough. Associations covered by the shared-facility law can inspect and copy records supporting shared-facility operating and mai… - Cooperative reserve plans must match funding: mixed, low. Cooperative reserve studies must separately label optional reserve amounts for items with more than 25 years of remaining useful life. Cooperatives must update studies before adopting budgets when funding does not match the latest study’s plan. Studies predating an approved special assessment or se… - Selected condo amendments exclude older declarations: mixed, low. Selected amendments to condominium definitions, deposits, and shared-building rules apply only to declarations first recorded on or after October 1, 2024. The affected provisions are sections 718.103(14), 718.202(3), and 718.407(1), (2), and (6). Condominiums with earlier declarations remain outsid… ## Sponsors and cosponsors - Sponsor: Vicki L. Lopez (Republican), House - Cosponsor: Commerce Committee - Cosponsor: Housing, Agriculture & Tourism Subcommittee ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2025-04-30 | Senate | Senate Floor Vote | pass | 37 | 0 | | | 2025-04-30 | House | House Floor Vote | pass | 112 | 0 | | | 2025-04-23 | House | House Floor Vote | pass | 113 | 2 | | ## Actions (45) - 2025-06-24: Chapter No. 2025-175 - 2025-06-23: Approved by Governor - 2025-06-18: Signed by Officers and presented to Governor - 2025-04-30: Ordered engrossed, then enrolled (House) - 2025-04-30: CS passed as amended; YEAS 112, NAYS 0 (House) - 2025-04-30: Amendment 831848 Concur (House) - 2025-04-30: Senate Message List (House) - 2025-04-30: In Messages (House) - 2025-04-30: CS passed as amended; YEAS 37 NAYS 0 -SJ 685 (Senate) - 2025-04-30: Read 3rd time -SJ 685 (Senate) - 2025-04-30: Amendment(s) adopted (831848) -SJ 685 (Senate) - 2025-04-30: Read 2nd time -SJ 653 (Senate) - 2025-04-30: Substituted for CS/CS/CS/SB 1742 -SJ 654 (Senate) - 2025-04-30: Placed on Calendar, on 2nd reading (Senate) - 2025-04-30: Withdrawn from Rules -SJ 653 (Senate) - 2025-04-23: Received (Senate) - 2025-04-23: Referred to Rules (Senate) - 2025-04-23: In Messages (Senate) - 2025-04-23: CS passed; YEAS 113, NAYS 2 (House) - 2025-04-23: Read 3rd time (House) - 2025-04-23: Added to Third Reading Calendar (House) - 2025-04-23: Placed on 3rd reading (House) - 2025-04-23: Read 2nd time (House) - 2025-04-17: 1st Reading (Committee Substitute 2) (House) - 2025-04-17: Bill added to Special Order Calendar (4/23/2025) (House) - 2025-04-17: Bill referred to House Calendar (House) - 2025-04-17: CS Filed (House) - 2025-04-17: Laid on Table under Rule 7.18(a) (House) - 2025-04-17: Reported out of Commerce Committee (House) - 2025-04-15: Favorable with CS by Commerce Committee (House) - 2025-04-11: Added to Commerce Committee agenda (House) - 2025-03-13: Now in Commerce Committee (House) - 2025-03-13: Referred to Commerce Committee (House) - 2025-03-12: 1st Reading (Committee Substitute 1) (House) - 2025-03-12: CS Filed (House) - 2025-03-12: Laid on Table under Rule 7.18(a) (House) - 2025-03-12: Reported out of Housing, Agriculture & Tourism Subcommittee (House) - 2025-03-11: Favorable with CS by Housing, Agriculture & Tourism Subcommittee (House) - 2025-03-07: Added to Housing, Agriculture & Tourism Subcommittee agenda (House) - 2025-03-04: 1st Reading (Original Filed Version) (House) - 2025-03-02: Now in Housing, Agriculture & Tourism Subcommittee (House) - 2025-03-02: Referred to Commerce Committee (House) - 2025-03-02: Referred to Budget Committee (House) - 2025-03-02: Referred to Housing, Agriculture & Tourism Subcommittee (House) - 2025-02-23: Filed (House) ## Bill text - er, 2025-06-24: [PDF](https://www.flsenate.gov/Session/Bill/2025/913/BillText/er/PDF) - e1, 2025-05-01: [PDF](https://www.flsenate.gov/Session/Bill/2025/913/BillText/e1/PDF) - c2, 2025-04-17: [PDF](https://www.flsenate.gov/Session/Bill/2025/913/BillText/c2/PDF) - c1, 2025-03-12: [PDF](https://www.flsenate.gov/Session/Bill/2025/913/BillText/c1/PDF) - Filed, 2025-02-23: [PDF](https://www.flsenate.gov/Session/Bill/2025/913/BillText/Filed/PDF) ## Related bills - HB 1427: Nursing Education Programs (vetoed) - HB 1095: Criminal Offender Substance Abuse Program (vetoed) - HB 6017: Recovery of Damages for Medical Negligence Resulting in Death (vetoed) - HB 1445: Public Officers and Employees (vetoed) - HB 11: Municipal Water and Sewer Utility Rates (vetoed) - HB 5015: State Group Insurance (vetoed) ## Sources - [er (PDF)](https://www.flsenate.gov/Session/Bill/2025/913/BillText/er/PDF) - [e1 (PDF)](https://www.flsenate.gov/Session/Bill/2025/913/BillText/e1/PDF) - [c2 (PDF)](https://www.flsenate.gov/Session/Bill/2025/913/BillText/c2/PDF) - [c1 (PDF)](https://www.flsenate.gov/Session/Bill/2025/913/BillText/c1/PDF) - [Filed (PDF)](https://www.flsenate.gov/Session/Bill/2025/913/BillText/Filed/PDF) ## Related - [HB 1427: Nursing Education Programs](https://policyrisk.com/state-bill/FL-HB1427-2025) - [HB 1095: Criminal Offender Substance Abuse Program](https://policyrisk.com/state-bill/FL-HB1095-2025) - [HB 6017: Recovery of Damages for Medical Negligence Resulting in Death](https://policyrisk.com/state-bill/FL-HB6017-2025) - [HB 1445: Public Officers and Employees](https://policyrisk.com/state-bill/FL-HB1445-2025) - [HB 11: Municipal Water and Sewer Utility Rates](https://policyrisk.com/state-bill/FL-HB11-2025) - [HB 5015: State Group Insurance](https://policyrisk.com/state-bill/FL-HB5015-2025) - [Florida bills](https://policyrisk.com/states/florida/bills) - [Florida state hub](https://policyrisk.com/states/florida) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/FL-HB913-2025 (as of 2026-10-17).