By Jan Bergemann

Published May 3, 2024


Owners have the absolute right to see what happens to the money they pay into the association coffers. And the Florida Legislature agreed with stricter provisions regarding financial reports and deadlines. Both bills, HB 1021 (condominiums) and HB 1203 (HOAs) contain language dealing with financial reports and threaten with fines if not meeting the deadlines for mailing or hand-delivering the financial reports on request as required by statutes.


Already in the past, with less strict language, the Division levied serious fines to condo associations who violated the financial report provisions. But let’s face it, the person who files the complaint with the Division pays as much of the share of the fine as the board member who failed to follow the law. That leaves the question: Do they really punish the guilty parties, or just everybody who owns property in the association? I have heard board members saying – after the association was hit with a hefty fine: “Well, it’s not really my money!


Shouldn’t we consider punishing just the guilty parties and not everybody who happens to own property in the community?


For HOA owners it’s even worse. Since Florida has no regulatory agency for HOAs (FS 720), owners can’t just file a complaint in order to enforce the laws, they have to file for litigation in court. That will leave the question: Will property owners be willing to spend maybe $20,000 - $30,000 in order to force a board to follow the statutes regarding financial reports – hoping to get the money back if the court rules that the owner is the prevailing party in the lawsuit?


Will these new provisions regarding FINANCIAL REPORTS really help homeowners to understand what really happened to their money?

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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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