The official site of the HOA Defender: Florida Rights app. Chapter 720 explained in plain English. Answer a few simple questions about your situation, learn what Florida law actually says, and generate a professional HOA letter you can send — all on your phone.
HOA Defender is an independent educational app, not a law firm, and does not provide legal advice. Not affiliated with the State of Florida, DBPR, any HOA, or any law firm.
HOA Defender: Florida RightsHOA Defender puts clear, sourced information in your hands with none of the friction, tracking, or upsell of typical apps.
Focused on Florida homeowners' associations governed primarily by Chapter 720 of the Florida Statutes.
Your answers, situations, and letters are processed locally on your device — never uploaded to a server.
The core tools work without a connection, so you can review your rights anywhere, anytime.
No sign-up, no email, no password. Install and start — that's it.
A clean, distraction-free experience with no third-party ad networks inside the app.
The entire app is fully bilingual and switchable at any time in Settings.
Plain-language explanations of what the law says — designed to inform, never to replace an attorney.
Independent and homeowner-first. Not affiliated with any HOA, the State of Florida, or DBPR.
Grounded in the statute that governs Florida HOAs, with references you can verify yourself.
Each tool follows the same simple pattern: understand the problem, see what Chapter 720 says, and know your next move.
Problem: You were fined and aren't sure if the amount is even allowed.
Solution: Enter the per-day fine and number of days to compare against Florida's usual statutory caps.
Benefit: Instantly see whether a fine looks over the typical limits — before you pay.
Problem: You got a violation notice and don't know how to respond in writing.
Solution: Answer a few questions and generate a clear, professional response letter.
Benefit: Respond confidently with a documented, on-point letter.
Problem: Your association won't share official records you're entitled to review.
Solution: Learn what records members may access and generate a proper written request.
Benefit: Put your request on the record the right way.
Problem: Your architectural (ARC) request was denied without a clear reason.
Solution: Understand what a proper review decision should include and how to respond.
Benefit: Push back with a structured, informed reply.
Problem: The rules seem to apply to you but not your neighbors.
Solution: Learn what uneven enforcement means and how to document your case.
Benefit: Build a clear, organized record of the inconsistency.
Problem: Your HOA is blocking approved hurricane protection for your home.
Solution: Understand your rights to install qualifying protection under Florida law.
Benefit: Protect your home while staying on solid ground.
Problem: Legal statutes are hard to find and harder to read.
Solution: Browse plain-language summaries of key Chapter 720 sections.
Benefit: Know the source behind every answer and verify it yourself.
Problem: Legal information is rarely available clearly in both languages.
Solution: Every screen, question, and result is fully bilingual.
Benefit: Understand your rights in the language you're most comfortable in.
Choose what's happening — a fine, a violation notice, denied records, an ARC denial, and more.
A short, guided flow walks you through your situation and explains what Chapter 720 says.
See your options and generate a professional letter you can review, edit, and send.
Designed for clarity on every device — from compact phones to tablets and the web.
HomeI Got a FineFine CalculatorYour Next StepsHOA Defender — Florida Statute ReferenceRepresentative previews of the app's design and layout. Final store screenshots are captured on-device.
Everything you might want to know about HOA Defender and how it handles Florida HOA topics.
Florida homeowners' associations are governed primarily by Chapter 720 of the Florida Statutes, which addresses topics like fines, records access, meetings, and architectural review. HOA Defender explains these areas in plain language and points you to the specific statute sections so you can verify them yourself.
Chapter 720 is the portion of the Florida Statutes that governs homeowners' associations (as opposed to condominiums, which fall under Chapter 718). It sets many of the ground rules for how an HOA and its members interact. Learn more in our Chapter 720 overview.
The app is free to install, and core tools like the Fine Calculator and Statute Reference are always free. Some guided situations and generated letters may be offered as an optional one-time purchase in a future version. During closed testing, the full app is available to testers at no charge.
Any optional purchase is a one-time unlock handled securely through Google Play Billing. We never see or store your payment details. If purchases become available and you reinstall or switch devices, use "Restore Purchases" so Google Play can re-apply what you bought.
Yes. Your answers, situations, and letters are processed locally on your device and are not uploaded to a server. No account, email, or password is required. See our Privacy Policy for details.
The core tools work without an internet connection, so you can review your rights and prepare letters anywhere. Some external links (like official state websites) naturally require a connection.
Yes. Letters are starting points you can review, edit, and personalize before sending. You're responsible for reviewing and adapting anything you choose to send. See our HOA letter guide.
Not at this time. The app currently focuses on Florida homeowners' associations governed primarily by Chapter 720. Condominium (Chapter 718) and cooperative laws may be different.
The entire app is available in both English and Spanish, and you can switch languages at any time in Settings.
The app is currently in closed testing and coming soon to Google Play. Join early access from this page to be notified at launch.
No. HOA Defender is an independent educational app, not a law firm, and the developer is not an attorney. It provides general educational information about Florida Chapter 720. Using the app does not create an attorney-client relationship. For advice about your specific situation, consult a Florida-licensed attorney.
You enter the per-violation fine amount and the number of days, and the calculator compares the total against Florida's usual statutory caps to show whether it appears over the typical limits. It's an educational estimate, not a legal determination.
Visit our Support page or email support@floridahoahelp.com. We aim to respond within a few business days.
We plan regular updates to improve content, add situations, and refine the experience. Release notes will be shared here as the app evolves.
HOA Defender runs on Android phones and tablets (Android 8.0 / API 26 and newer). A web-based experience may follow in the future.
Accessibility matters to us. The app supports adjustable text sizes and clear, high-contrast layouts, and this website is built to meet WCAG AA guidance. If you hit an accessibility barrier, please tell us via Support.
Install HOA Defender and get clear, sourced answers about your Florida HOA situation — in English or Spanish, right on your phone.
HOA Defender is an independent educational app, not a law firm. The developer is not an attorney and does not provide legal advice or legal representation. Using this app does not create an attorney-client relationship. Laws and governing documents change, and every situation is different. Verify current official sources or consult a Florida-licensed attorney.
This app currently focuses on Florida homeowners' associations governed primarily by Chapter 720. Condominium and cooperative laws may be different.
Not affiliated with the State of Florida, DBPR, any homeowners' association or any law firm.