If you own a condominium in Florida, you've likely heard about HB 913—the new transparency law that took effect on July 1, 2025. But what does it actually mean for you as a condo owner? This guide breaks down everything you need to know about your rights and what your HOA board must now do differently.

What is HB 913?

House Bill 913 (CS/CS/HB 913) is Florida's comprehensive condominium and cooperative association transparency law. It was passed in response to the tragic Surfside building collapse in 2021, which highlighted critical gaps in how associations manage and disclose information to owners.

The law requires HOAs and condo associations to be more transparent about their finances, operations, and decision-making processes. While the law primarily affects what your board must do, it significantly expands your rights as an owner to access information about your association.

Key Changes That Affect You as an Owner

1. Official Records Must Be Online

Your association is now required to maintain official records on a website that's accessible to all owners. This includes:

Bank statements and account records
Approved board meeting minutes from the last 12 months
Meeting recordings (for video conference meetings)
Ledgers and financial records

What this means for you: You no longer need to make formal written requests to see basic financial information. It should be available on your association's website, updated within 30 days of any changes.

2. Financial Statements Must Be Delivered Faster

Annual financial statements must now be delivered to owners within 180 days of the end of the fiscal year (extended from 120 days). The board must also provide an officer's affidavit confirming compliance.

What this means for you: You'll receive your association's financial information more quickly, and you'll have a clear record that the board has complied with delivery requirements.

3. Meeting Recordings Are Official Records

If your board holds meetings via video conference, those recordings must be kept as official records and made available to owners upon request.

What this means for you: If you can't attend a board meeting, you can request a recording to see exactly what was discussed and decided. This is especially valuable for understanding board decisions that affect your assessments or building maintenance.

4. Division of Condominiums Reporting

By October 1, 2025, your association must create an online account with the Division of Condominiums, Timeshares, and Mobile Homes. This account must include:

Association details and contact information
Board member names and contact information
Community Association Manager (CAM) information

What this means for you: You can verify that your association is properly registered and see who's responsible for managing your building. This information must be updated within 30 days of any changes.

5. Structural Integrity Reserve Studies (SIRS)

The deadline for completing Structural Integrity Reserve Studies has been extended to December 31, 2025. These studies assess the condition of your building's major structural components and determine how much money needs to be set aside for future repairs.

What this means for you: You'll have better visibility into your building's structural condition and the financial planning for major repairs. This helps you understand why assessments might increase and ensures your building is properly maintained.

Your Rights Under HB 913

As a condo owner, HB 913 strengthens your right to information. Here's what you can now expect:

Online access to official records without making formal requests
Faster delivery of financial statements
Access to meeting recordings if meetings are held via video conference
Transparency about who's managing your association and how to contact them
Better financial planning visibility through SIRS reports

What to Do If Your Association Isn't Complying

If you notice that your association isn't following these requirements, you have several options:

Contact your board directly - Sometimes boards are still learning about the new requirements and may need a reminder.
Request records in writing - Even though records should be online, you can still make formal written requests if needed.
File a complaint with the Division - The Division of Condominiums can investigate non-compliance issues.
Consult an attorney - For serious violations, you may want to seek legal advice about your options.

Why This Matters

HB 913 isn't just about paperwork—it's about ensuring that condo owners have the information they need to:

Understand how their association is managing money
Hold boards accountable for their decisions
Make informed decisions about their property
Ensure their building is properly maintained

The Surfside tragedy showed what can happen when associations aren't transparent about building conditions and finances. HB 913 is designed to prevent similar situations by ensuring owners always have access to critical information.

Stay Informed

As a condo owner, staying informed about your association's compliance with HB 913 helps protect your investment and ensures your building is properly managed. If you have questions about your specific association's compliance, don't hesitate to reach out to your board or property manager.

Remember: transparency benefits everyone. When associations are open about their finances and operations, it builds trust, helps prevent problems, and ensures your building is well-maintained for years to come.

What is HB 913 and What Does It Mean for Florida Condo Owners?