If you own a condo in Florida, a state agency (The DBPR) can audit your association's books, subpoena your board, fine your directors, and remove them from office. If you own a home in an HOA, that same agency has no authority to investigate your board at all, even for identical misconduct. This isn't an oversight — it's deliberate policy written directly into the statutes. Condominiums fall under Chapter 718, which gives the Department of Business and Professional Regulation

For years, one phrase helped sell millions of dollars’ worth of condominium units across Florida: “We’ll keep assessments low.” On the surface, that sounds like good news. Who wouldn’t want lower monthly fees? But what many owners are discovering today is that low assessments were often not a sign of a healthy community. In many cases, they were a warning sign.

Discover insights on Condo Disputes and alternative dispute resolution in Florida. Learn how Condo Disputes legislation impacts unit owners.