Understanding Homeowners Association (HOA) Law in Florida
Coto & Waddington, Attorneys at Law represents homeowners, condo associations, and boards navigating Florida’s HOA and community association laws. Partners Giuliana Coto, Esq. and Alexander Waddington, Esq.—bilingual attorneys and graduates of the University of Miami School of Law—provide practical legal counsel for disputes, compliance, and governance under Florida Statutes Chapters 718 (Condominium Act) and 720 (Homeowners’ Associations).
What Is HOA Law in Florida?
Florida’s HOA and condominium laws govern how communities operate—covering assessments, board elections, maintenance responsibilities, and dispute resolution. Whether you’re a homeowner facing a board conflict or a board member seeking compliance guidance, understanding these laws is key to protecting your rights and property.
At Coto & Waddington, we help both homeowners and associations interpret and apply the law fairly and effectively.
Homeowners’ Rights Under Florida HOA Law
Florida homeowners have specific rights and protections under state law. Our firm ensures that boards comply with these standards and that owners understand their obligations.
- ✅ Right to access HOA records and financials
- ✅ Right to vote in board elections
- ✅ Right to reasonable notice before fines or assessments
- ✅ Protection against selective or discriminatory enforcement
- ✅ Right to peaceful enjoyment and due process before liens
HOA Board Responsibilities and Governance
Serving on a homeowners association board in Florida comes with fiduciary duties and legal obligations. Giuliana Coto and Alexander Waddington guide boards on compliance, fair enforcement, and transparent decision-making.
- ✔️ Drafting and enforcing bylaws and covenants (CC&Rs)
- ✔️ Conducting lawful meetings and elections
- ✔️ Managing budgets and assessments responsibly
- ✔️ Complying with open meeting and notice laws
- ✔️ Resolving disputes without escalating costs
Common HOA Disputes in Florida
Disputes between homeowners and associations often arise over unclear rules or inconsistent enforcement. Our firm handles these issues through negotiation, mediation, or litigation when necessary.
- 🏘️ Assessment disputes and unpaid dues
- 🏘️ Architectural review or property modification denials
- 🏘️ Maintenance and repair responsibility conflicts
- 🏘️ Board misconduct or breach of fiduciary duty
- 🏘️ Improper fines or lien enforcement
Coto & Waddington works to resolve conflicts efficiently, protect property value, and restore community trust.
Legal Support for HOA Boards and Property Managers
Our firm provides proactive guidance for HOA boards, management companies, and developers. Services include:
- ✔️ Reviewing and updating governing documents
- ✔️ Conducting compliance audits
- ✔️ Drafting and enforcing community policies
- ✔️ Advising on contracts, vendor agreements, and insurance claims
- ✔️ Representing boards in arbitration, mediation, and court
HOA vs. Condominium Law: What’s the Difference?
While both fall under Florida community association law, they’re governed by different statutes:
- Chapter 718 – Condominium Act: Applies to condo associations with shared ownership of common property.
- Chapter 720 – HOA Act: Applies to subdivisions and single-family home associations.
Our attorneys help clients understand which statute applies and how to operate or defend under each framework.
FAQs: Florida Homeowners Association Law
1) Can my HOA fine me without notice?
No. Under Chapter 720, homeowners must receive written notice and a hearing opportunity before a fine is imposed.
2) How can I challenge an HOA lien or assessment?
Consult an attorney immediately. We review whether the board complied with procedural requirements before recording the lien.
3) Can HOA board members be held personally liable?
Yes, in cases of gross negligence or breach of fiduciary duty. We help boards follow best practices to avoid liability.
4) How can Coto & Waddington help?
We represent homeowners, HOAs, and condo boards in disputes, compliance audits, and enforcement actions—always focused on resolution and fairness.
Sección en Español
Coto & Waddington, Attorneys at Law asesora a propietarios y asociaciones de vecinos en toda Florida sobre leyes de HOA y condominios. Brindamos asesoría legal en inglés y español sobre disputas, cumplimiento y administración. Llámenos al (786) 228-6361.
Protect Your Home and Community with Experienced HOA Counsel
Whether you’re a Florida homeowner facing an unfair fine or an HOA board seeking compliance advice, Giuliana Coto and Alexander Waddington provide trusted, bilingual representation. Call (786) 228-6361 to schedule your consultation today.
Disclaimer: Informational only. No attorney-client relationship exists without a signed engagement agreement.
