By Jan Bergemann

Published May 20, 2022

Next weekís special session will be the last chance for Floridaís legislators to get things right -- a chance they totally missed during this year's legislative session.

Property Insurance and Condo Safety Reform should be on top of the list. The homes of many families living in Floridaís homes and condominiums are at stake when the debate over these much needed reforms starts in Tallahassee on Monday.

Hurricane season officially starts on June 1 Ė and many folks are not sure if their insurance policy is still covering their property with many insurance companies dropping tens of thousands of policies. Others have received annual bills from their insurance companies they will be unable to pay. I have heard from increases of 400%? The looming question: Who will pay if there is any hurricane damage to homes or condos where the insurance questions havenít been settled yet? What are owners going to do who received policy cancellations? It looks like finding a new insurance company isnít  very easy.

We all know that condo safety, especially in old hi-rise buildings, comes with a high price. And the fact that many of the owners in these buildings voted down reserves year for year is now coming back to haunt them. The money needed to make necessary structural repairs to guarantee the safety of these buildings isnít there Ė and the few banks still willing to make condo loans to avoid special assessments owners canít afford are very picky when it comes to approval of these loan applications.

Legislators have to be walking a tightrope to find a middle way to create laws that will make condo safety a priority without pricing families out of their homes. I think many folks regret now that they pushed in 2010 for removing mandatory reserve funding from the condo statutes FS 718. For many associations fully funded reserves would come in handy now, considering that they already dealing with much increased insurance premiums!

Letís just hope that we voted minimum some legislators with common sense into office, because these reforms will decide the fate of many families!

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Jan Bergemann

Jan Bergemann is president of Cyber Citizens For Justice, Florida 's largest state-wide property owners' advocacy group. CCFJ works on legislation to help owners living in community  

associations. He moved to Florida in 1995 - hoping to retire. He moved into a HOA, where the developer cheated the homeowners and used the association dues for his own purposes. End of retirement!


CCFJ was born in the year 2000, when some owners met in Tallahassee - finding out that power is only in numbers. Bergemann was a member of Governor Jeb Bush's HOA Task force in 2003/2004.


The organization has two websites to inform interested Florida homeowners and condo owners:

News Website:

Educational Website:

We think that only owners can really represent owners, since all service providers surely have a different interest! We are trying to create owner-friendly laws, but the best laws are useless without enforcement. And enforcement is totally lacking in Florida !

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