If you own a home or condo in Naples, Florida, there are important new HOA and condo laws that went into effect in 2025 that could directly impact your property, your board, and your budget.

These changes were introduced to increase safety, transparency, and accountability for homeowners’ associations (HOAs) and condominium boards throughout the state, but many Florida homeowners are still unaware of them.

Here’s a clear breakdown of what changed in 2025 and what you should be doing about it.

1. HOA Website Requirements for Florida Communities

Florida Statutes now require HOAs with 100 or more homes to maintain a dedicated website or mobile app. The website must include:

  • Governing documents

  • Meeting agendas and minutes

  • Budgets and financial reports

  • Association insurance policies

If you live in an HOA community in Naples or greater Collier County, now’s a good time to check if your board is in compliance. These updates aim to make it easier for homeowners to stay informed and involved.

2. Mandatory Board Member Education

As of 2025, any new board member for a Florida HOA or condominium association must complete at least 4 hours of state-approved education within 90 days of being elected or appointed.

The required training covers:

  • Legal compliance

  • Governance and fiduciary duties

  • Financial oversight

  • Structural inspection responsibilities

This law is meant to help protect Florida homeowners from mismanagement and applies statewide, including Naples-area communities.

3. Condo Safety and Structural Inspection Laws

If you live in a condominium building that’s 3 stories or taller, several major safety-related laws are now active:

  • Milestone Inspections are required every 10 years

  • Balcony inspections must be completed every 6 years (starting Jan 1, 2025)

  • Reserve Funding must be fully maintained for major structural repairs (e.g., roofing, electrical, and plumbing). HOA boards can no longer vote to waive or underfund these reserves

If your building is 30 years or older, your condo association must have these inspections and budgets in place by December 31, 2024.

These laws were passed following the Surfside condo tragedy and are now being enforced across Florida, including here in Naples.

4. Florida Insurance Transparency Law (SB 888 – Effective July 2025)

Homeowners’ insurance in Florida remains a hot-button issue. Starting July 1, 2025, the new Insurance Transparency Law (SB 888) will:

  • Require insurers to include rate transparency reports in filings

  • Provide policyholders with clearer breakdowns of premium calculations

  • Create an online consumer-facing resource center with public access to rate and risk information

While this law won’t necessarily lower your insurance bill, it’s a step toward better visibility and accountability in Florida’s homeowners’ insurance market.

What Naples Homeowners Should Do Now

If you’re part of a homeowners association or condo board in Southwest Florida, now is the time to:

  • Ask your board about upcoming inspections or reserve requirements

  • Check if your HOA is building a website or app

  • Review your building’s insurance policies and budget

  • Learn more about your rights as a homeowner in an HOA or condo community

Questions? Let’s Talk.

If you have questions about how these new Florida laws might impact your specific home, building, or HOA, feel free to reach out. I’m happy to help however I can—and if I don’t know the answer, I’ll point you to someone who does.

 

Stay informed and enjoy living in beautiful Naples,
John Russo
Naples Realtor | johnrussohomes.com