By Jan Bergemann

Published October 12, 2018


As if a simple home or condo owners’ association isn’t enough burden on your finances, some communities even feature “MASTER ASSOCIATIONS.”


We always hear from legislators when complaining about problems in our communities: “Vote the BUMS out!”


Well, thanks for the good advice, but that’s much easier said than done. It’s already tricky in simple associations – recent changes to the Condo Act FS 718 made it even more difficult. It’s nearly impossible in quite a few master associations.


In most master associations you, as an owner, don't even have the right to directly elect the members of the master association board. In reality you don’t even have any influence in seating these board members.


With other words: “Voting the BUMS out” doesn’t even work in master associations.


And if it isn’t enough to follow all the rules in your association, master associations most often do have a separate set of rules, rules that are often very different than the rules of the single associations that are being part of the master association.


You know that I am not a friend of this whole community association system – I honestly believe it can’t work in favor of the owners – but adding the additional burden of a master association to this feature is in my opinion an additional burden, not only on your finances, but as well on your daily life.


My advice to everybody: AVOID THESE DOUBLE WHAMMYS!

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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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