Florida HOA compliance checklist

Every § 720.303 requirement in one place — assess where your HOA stands.

Summary

This checklist covers the key requirements of Florida § 720.303 in one place — documents, redaction, member access, budgets, and website obligations. Work through each item to assess where your HOA stands and what needs attention.

Non-compliance exposes both the association and individual board members to personal liability. Members can petition for enforcement, and willful failure to provide records creates a presumption that they do not exist.

Document requirements

Section 1 of 5

Per § 720.303(4), your HOA must maintain these categories of official records.

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Governing documents — articles of incorporation, bylaws, declaration, rules
Meeting minutes — board meetings, annual meetings, committee meetings (7-year retention)
Financial records — annual budgets, financial statements, receipts, expenditures (7-year retention)
Assessment records — assessment rolls, collection records, delinquency records
Insurance policies — current certificates and claims history
Contracts — all vendor and service contracts currently in effect
Reserve study — most recent reserve study and funding plan
Member roster — current names, addresses, and lot numbers
Structural inspection reports — milestone inspections (permanent retention per HB 913)

PII redaction

5 items

Per § 720.303(5)(g)6, all of the following must be removed before disclosure.

See redaction guide →
Social security numbers — full or partial, on any document
Driver license numbers — and other state-issued ID numbers
Credit card numbers — on payment records
Email addresses and phone numbers — unless voluntarily provided for association use
Medical records — health records, disability info, insurance details

Member access

4 items

Per § 720.303(5), your association must provide access to records.

See inspection rights →
Respond within 10 business days of receiving a written records request
Allow inspection during business hours — or at a mutually agreed time
Charge no more than $0.25/page for copies
Never require a reason — members have an unconditional right to inspect

Budget and reserves

4 items

Per § 720.303(6) and SB 4-D, your HOA must maintain reserves.

See budget requirements →
Adopt an annual budget for each fiscal year
Conduct a reserve study to determine funding levels
Fund structural reserves — roof, structure, plumbing, electrical, waterproofing, windows, parking (no waiver)
Disclose reserve balances and any shortfalls in the budget

Website requirement

4 items

Per § 720.303(4)(b), HOAs with 100+ parcels must maintain a website.

See website requirement →
Maintain a website or application accessible to all members
Post official records in a downloadable format
Redact all PII from posted documents
Keep content current as new records are created or updated

How Snap§720 helps

  • Compliance scorecard maps your uploaded documents to all 14 required categories — shows what is fulfilled and what is missing
  • Automated PII redaction handles the entire checklist section on redaction in seconds
  • Public compliance page satisfies both the website requirement and the member access requirement simultaneously
  • Document version history and category tracking make annual records audits straightforward
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Official sources

Florida Statute § 720.303 — Official Records (2024)

This guide is for informational purposes only and does not constitute legal advice. Consult a qualified attorney for guidance specific to your association.