Question 1

Does Florida require HOA disclosure for condo rentals?

Accepted Answer

In Florida, HOA disclosure for condo rentals is: Required. When disclosure is required, landlords must provide tenants with a copy of the condo association's rules, bylaws, and any restrictions that affect the tenant's use of the property. Even when not legally required, it is best practice to provide all HOA documents to prospective tenants before signing the lease.

Question 2

How long does condo association approval take in Florida?

Accepted Answer

In Florida, the condo association approval timeframe is: 30 days. Many associations have their own internal timelines, typically ranging from a few days to 30 days. During this period, the association may review the tenant's application, run a background check, and verify references. The lease should be contingent on association approval to protect both the owner and tenant.

Question 3

What are tenant rights in Florida condos?

Accepted Answer

Florida provides Enhanced protections for condo tenants. Condo tenants in Florida have the same basic protections as any residential tenant under FL landlord-tenant law, including the implied warranty of habitability, protection against illegal eviction, and security deposit protections. Additionally, tenants have the right to use common amenities per the association's rules and cannot be discriminated against under the Fair Housing Act.

Question 4

Who pays for condo special assessments in Florida?

Accepted Answer

In Florida, special assessments levied by the condo association are typically the responsibility of the unit owner (landlord), not the tenant. Special assessments are charges for major building repairs, improvements, or unexpected expenses that exceed the HOA's reserve fund. The lease should clearly state that the owner is responsible for all HOA dues and special assessments unless explicitly agreed otherwise.

Question 5

What insurance does a condo tenant need in Florida?

Accepted Answer

Condo tenants in Florida should carry renter's insurance that covers personal property, liability, and additional living expenses. Most Florida condo associations and landlords require tenants to maintain renter's insurance with minimum coverage amounts (typically $100,000 liability). The HOA's master policy covers the building structure and common areas but does not protect the tenant's belongings or personal liability.

Question 6

Can a Florida condo association reject a tenant?

Accepted Answer

In Florida, condo associations may have the right to approve or reject prospective tenants, depending on the association's governing documents. However, rejections cannot be based on race, color, religion, national origin, sex, familial status, or disability under the Fair Housing Act. Associations must apply their screening criteria consistently to all applicants. If rejected, the applicant may be entitled to know the reason for the denial.

Question 7

What are the move-in/move-out rules for Florida condos?

Accepted Answer

Most Florida condo associations have specific move-in and move-out procedures, including: designated moving hours (often weekdays only), elevator reservation requirements, move-in/move-out deposits (refundable), insurance certificate requirements for movers, use of protective coverings in hallways and elevators, and restrictions on blocking common areas. These rules should be included in the lease or provided as an attachment.

Question 8

What happens if a condo is converted while a tenant is renting in Florida?

Accepted Answer

Florida's rules on condo conversion are: Tenant protections. In states with tenant protections, tenants typically receive advance notice (often 120 days or more) before a conversion takes effect, may have the right of first refusal to purchase their unit, and cannot be evicted solely due to the conversion until their lease expires. Even in states without specific rules, existing leases must be honored until they expire.

Item	Florida Rule
HOA Disclosure Required	Required
Condo Conversion Rules	Tenant protections
Tenant Rights in Condos	Enhanced protections
Association Approval Timeframe	30 days
Renter's Insurance	Recommended / Often required by HOA
Lead Paint Disclosure	Required (pre-1978 properties)

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