Resources

Florida Chapter 720 Explained

Chapter 720 of the Florida Statutes is the law that governs homeowners' associations in Florida. Here's what it is and the sections you're most likely to run into.

HOA vs. condo vs. co-op

Florida treats different community types under different laws. Homeowners' associations fall under Chapter 720. Condominiums fall under Chapter 718, and cooperatives under Chapter 719. HOA Defender currently focuses on Chapter 720 (HOAs). If you're in a condo or co-op, the specifics differ.

Key sections homeowners meet

  • § 720.303 — association powers, meetings, notice, and official records / member access.
  • § 720.305 — obligations of members and remedies, including fines and suspensions.
  • § 720.3035 — architectural control and the association's review authority.
  • § 720.304 — right of owners to certain uses, including some protections related to flags and hurricane protection.

These references are a starting point for understanding the topic — always confirm the current text of any statute at an official source.

How to read a statute

Statutes are written in dense legal language. When reading one, note defined terms, look for deadlines and notice requirements, and remember your association's recorded governing documents add another layer of rules on top of the statute.

Related: Florida HOA rights overview · HOA letter guide

Educational information, not legal advice. This page explains general Florida HOA concepts and is not a substitute for advice from a Florida-licensed attorney about your specific situation.

Important disclaimer

HOA Defender is an independent educational app, not a law firm. The developer is not an attorney and does not provide legal advice or representation. Using this app or website 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 resource currently focuses on Florida homeowners' associations governed primarily by Chapter 720. Condominium (Chapter 718) and cooperative laws may be different.

Not affiliated with the State of Florida, DBPR, any homeowners' association or any law firm.