Florida HB 913: What Property Managers Need to Know

Florida’s House Bill 913, signed into law by Governor Ron DeSantis and effective July 1, 2025, marks a sweeping 92 page overhaul of condominium and cooperative association regulations. For property managers, insurers, and legal professionals, the bill introduces critical changes that directly affect how properties are assessed, maintained, and insured.

A Legislative Response to Surfside

The tragic collapse of the Champlain Towers South in Surfside in 2021 exposed systemic flaws in Florida’s condo oversight. HB 913 is the legislature’s most comprehensive response yet, aiming to improve structural safety, financial transparency, and regulatory compliance across the state. 

Key Provisions Impacting Property Management

1. Extended Deadline for Structural Integrity Reserve Studies (SIRS)

Associations now have until December 31, 2025 to complete their SIRS, giving property managers additional time to comply with inspection mandates. This extension is especially valuable for communities struggling to coordinate inspections and funding.

2. Pause on Reserve Contributions

Boards may now vote, subject to owner approval, to pause reserve contributions for up to two consecutive annual budgets if urgent repairs are recommended. This flexibility can help associations prioritize safety without overwhelming owners financially.

3. Higher Repair Thresholds

The threshold for what qualifies as a reserve item has increased from $10,000 to $25,000, adjusted annually for inflation. This change allows boards to focus reserve planning on major structural needs rather than minor repairs. 

4. Updated Inspection Requirements

Inspections are now required for buildings with three or more habitable stories, including four-family dwellings. This clarification helps property managers determine which properties fall under the new compliance umbrella.

5. Digital Transparency and CAM Oversight

HB 913 mandates that Community Association Managers (CAMs) maintain online licensure accounts with the Department of Business and Professional Regulation (DBPR), including updated employment and ownership disclosures. Managers with revoked licenses face a 10-year prohibition from holding any role in management firms.

Pre-Loss Assessments

Pre-loss assessments, visual, non-invasive inspections that document a property’s condition before damage occurs, are increasingly vital in the post-HB 913 landscape. These reports also help establish a baseline for insurance claims and legal disputes.

What Property Managers Should Do Now

• Schedule SIRS and Milestone Inspections: Don’t wait until the December 2025 deadline. Early compliance reduces risk and improves planning.
• Update CAM Licensure Accounts: Ensure all required disclosures are current to avoid penalties.
• Review Reserve Funding Strategies: Consider pooling reserves and using alternative funding like lines of credit or special assessments before an emergency.
• Document Property Conditions: Engage qualified professionals to conduct pre-loss assessments and maintain thorough records.

At Godbey Giardina Law Group, we assist property owners, managers, and associations in navigating the complex changes associated with HB 913’s requirements and their insurance. Whether you need help understanding the law, would like a pre-loss assessments, or need assistance with an insurance claim, our team is here to help.

For more information or to schedule a consultation, contact us at www.g-glawgroup.com or call our Plantation office.