Guide
Reserve Funds and Special Assessments for Florida Condo Associations
Storm damage exposes every weak reserve strategy. Boards need a financing plan that owners can understand and lenders, insurers, and counsel can respect.
Use reserves intentionally
Reserve cash can create speed, but boards should document what is borrowed from reserves, what must be reimbursed, and how future capital projects are affected.
After Surfside-era reforms, reserve funding conversations are more sensitive and more visible to owners and buyers.
Make assessments understandable
Owners respond better when the board explains timing, legal authority, insurance offsets, and payment options in plain English.
Attach a sources-and-uses summary so the community can see what insurance may reimburse and what remains board-funded.
Need an outside check before your board approves a repair scope?
COABlueprint is built for Florida community associations that need a clearer path through claims, vendor decisions, reserve pressure, and estimate review.