A number of reforms were enacted following the 2025 legislative session.

As storm season approaches, it is important to ensure that your association is compliance with new insurance requirements under Florida law.

Maintenance and Hurricane Protection Responsibilities

Section 718.113(5) now requires the board to determine and document who is responsible (the Association or the unit owners) for paying the cost to remove of exterior attachments for building maintenance. This issue can arise during storm season with the removal and reattachment of hurricane shutters. The purpose of this statute is to add clarity for unit owners and boards as to who bears the cost of these activities.

Expanded Evacuation Orders

Section 718.1265(1)(h) expands an association’s immunity during evacuation orders. Previously, the board could only treat mandatory evacuations from local authorities to require a complete evacuation of a condominium building. Under the new law, this power is expanded to voluntary evacuation orders. As was the case before, if a unit owner fails to comply with an evacuation order, the association is immune from liability for that individual’s failure to evacuate.

Mandatory Adequate Property Insurance

Section 718.111(11)(a) has been amended to require associations carry “adequate” property insurance for their community. Adequate is defined to mean based on an independent appraisal of the property’s replacement cost value determined at least once every three (3) years. When determining the adequate amount of property insurance coverage, the association may consider deductibles as determined by statute.