§What Your HOA Owes YouFlorida · Chapter 720
Florida

What does your HOA actually owe you?

An association is not a landlord and not a government. It has specific duties written into Chapter 720 — records it must show you, notice it must give you, meetings you may attend. Ask a question and get the answer with the section it comes from.

Free answerEnglish · EspañolFla. Stat. 720.303, citedNothing is stored
Plan active

Free first look

What do you want to know?

Records, notice, meetings, or something the board told you.

Free. Takes a few seconds.

Why this exists

An HOA has duties, not just powers. Most owners only ever hear about the powers.

Chapter 720 sets out records you can inspect, notice you must receive and meetings you can attend. Boards are usually volunteers doing their best, and a request that quotes the right section politely tends to work far better than an argument.

How it works

Three steps, about a minute

01

Ask your question

Records, notice, meetings or money.

02

Get the answer with its section

So you can check it yourself.

03

Ask properly

In the paid version, the written request, dated and logged.

Plans

Free to try. Paid to keep.

The first answer is free and always will be.

One question
$4.99one question

The answer, the written request to send, and a log sheet for what you asked and when.

  • The statute section, quoted
  • A dated written request
  • A log sheet for your records
  • English and Spanish
Year pass
$19per year

For an owner in a long-running disagreement with a board.

  • Unlimited questions
  • Every request kept together
  • Escalation notes
  • English and Spanish

No account for the free version. Payment is handled by Stripe; we never see a card.

Common questions

How many days does my HOA have to hand over records after I request them?

Fla. Stat. 720.303 says official records must be made available within 10 business days of your written request, if you're within 45 miles of the community or in the same county where it's located. Some records may carry a copying fee, and that's set by your own declaration or bylaws, so check those too. This tool explains what the statute says — it isn't legal advice, and if your association ignores this deadline, a Florida community association attorney can advise you on next steps.

Does my HOA have to notify me about a members' meeting?

Yes — Fla. Stat. 720.306 covers meetings of members, voting, and election procedures, including the notice you're owed. The specifics of how much notice and how it's delivered often depend on your community's own bylaws, so read those alongside the statute. This is a plain-language explainer, not legal advice.

Where can I find my HOA's yearly financial report?

Fla. Stat. 720.3086 sets the annual financial report requirement, so you're entitled to see those numbers. What form it takes, and any charge for extra copies, can depend on your community's declaration, so it's worth checking your own documents too. Again, this is general information, not legal advice.

I got a violation notice or a fine — can this tool help?

No — this tool only explains records, notice, and meeting rights under Chapter 720. If you're dealing with a violation notice or a fine, that's a different tool: the HOA violation responder is built for that, so please use it instead. Any contested fine should go to a Florida community association attorney.

Is this really free? Is what I type stored?

The tool describes itself as free, but the listed plans show a cost: $4.99 for one question or $19 a year for unlimited access. The material doesn't say anything about whether what you type is stored, so we can't promise it isn't — ask the site directly if that matters to you. Either way, this is general information, not legal advice, and for anything contested you should talk to a Florida community association attorney.

More tools like this

Built by the same team, free to try.