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CONTACT YOUR LEGISLATORS TO DEMAND THEY STOP TAKING RIGHTS AWAY FROM YOU….

CONTACT YOUR LEGISLATORS TO DEMAND THEY STOP TAKING RIGHTS AWAY FROM YOU….

  • Posted: May 24, 2022
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CALL TO ACTION!!!
CONTACT YOUR LEGISLATORS TO DEMAND THEY STOP TAKING RIGHTS AWAY FROM YOU AND INSTEAD PASS MEANINGFUL REFORM TO PROPERTY INSURANCE CARRIERS FOR YOUR PROTECTION!
Link above not working? Find your elected official and their contact info here:
This week, legislators are in special session in Tallahassee that was SUPPOSED to be focused on bailing out property insurance carriers and stabilizing the re-insurance market to drive down YOUR premiums and address abuses by the carriers.
Instead….the legislature is taking rights away from YOU.
If the language in HB1D (2022 special session) is allowed to become law, YOU as a property owner will be the one bearing the costs of an under-regulated insurance industry, because the carriers spend hundreds of thousands of dollars in lobbying and campaign contributions so the legislature only hears the carriers’ misleading statistics and summaries without supporting data to blame YOU for THEIR bad business and claims handling practices.
For years, the carriers have taken advantage of the lack of transparency and protective government oversight in the property insurance industry to reap millions in profits annually before misusing the insolvency system in Florida to get what amounts to a free bankruptcy proceeding that leaves ALL Floridians holding the bag.
CALL OR EMAIL YOUR REPRESENTATIVE and tell them not to vote for the problems this bill creates for YOU if this bill becomes law:
Roof Claim Separate Deductibles
YOU will be subject to additional higher deductibles if your roof is damaged, up to 50% of the cost to replace your roof OR 2% of the Coverage A limit in your policy (essentially any damage to your roof will come with your hurricane deductible if it has to be replaced).
For a $20,000 shingle roof, you could have to pay up to a $10,000 deductible!! For a $50,000 tile roof, you may have to pay up to $25,000 for your deductible!!
Carriers would get 45 days to inspect your property after any damages NOT caused by hurricanes, and impliedly even longer if there IS a hurricane
The law NOW already says the carrier has 90 days to adjust and pay or deny your claim. This new bill would mean YOU will have to wait up to FORTY-FIVE DAYS after you make a claim for damages that were caused by anything OTHER than a hurricane before your carrier has to show up and inspect the damages to determine whether and how much you are entitled to from your policy. Implied is that the carrier can take EVEN LONGER to inspect damages after a hurricane!!
Why do they need MORE time? Many states only allow 30 days TOTAL for a carrier to adjust AND PAY property damage claims, why do carriers need 45 days just to INSPECT the property in Florida? And why are you paying so much for your property insurance premiums if the carriers are so understaffed that they NEED 45 days send an adjuster out to inspect your property when there hasn’t even been a hurricane?
Carriers would NOT have to pay the full value of what they AGREE you are owed under your policy until YOU prove you paid your full deductible, even if your contractor is willing to work with you on a payment plan for higher deductibles
YOU will have to come up with the full amount your carrier agrees is owed AND your deductible before the carrier has to pay you BACK, because the carrier would now be allowed to withhold depreciation (which is FREQUENTLY more than 50% of the amount you are entitled to recover under your policy) until you “prove” you have paid your deductible. To avoid liens on your house or the damages continuing to get worse without making the repairs your carrier agrees your policy provides coverage for, YOU will have to be able to pay for up to half of the damages BEFORE the carrier pays you back – which can be thousands of dollars on even lower-value claims.
If your contractor is willing to do a payment plan for your hurricane deductible – which most are – they still have to protect their ability to recover for the work they do, so you may have to deal with a lien until you can afford to pay your deductible in full BEFORE the carrier would have to pay you the full amount they agree they owe you and which you have been PAYING FOR in your policy premiums every year.
This is a gut punch to everyone who does not have thousands of dollars lying around they can afford to throw at an unexpected property loss in this state.
Eliminates your right to assign benefits to a contractor who by law currently gives up the right to collect directly from you or lien your property if your carrier does not pay timely or enough money, leaving YOU on the hook for higher out of pocket expenses or dealing with liens on your property to get covered damages repaired
YOU will lose the ability to sign Assignment of Benefits giving contractors the rights to pursue direct payment for their services for things like tarps, emergency water mitigation, or repairs to protect your property from being damaged any further. Currently, the law protects YOU if you sign an Assignment of Benefits, because in exchange for the right to pursue direct payment on their own, the contractor with the assignment gives up their right to lien your home OR collect from you directly.
Without AOB’s, your insurance policy STILL requires that you take reasonable measures to protect your property from further damage, BUT you will have to pay out of pocket up front for all of those expenses because the legislature is trying to take away the ability of a company with an assignment of benefits to actually enforce and collect on it. The right to use an assignment is YOUR right if you need it to get
If Assignment of Benefits are allowed to be rendered meaningless as the legislature is trying to do, in the event of a hurricane, tree falling on your home, pipe burst, or any other unexpected event causing immediate damage to your home that needs to be addressed, YOU will have to come up with the thousands of dollars that it costs to complete those immediately necessary repairs and LOSE the ability to use an assignment of benefits, which currently allows YOU to receive those services NOW, and the contractor to collect directly from your carrier later, without any extra work for YOU.
If you do not have thousands of dollars on hand, YOUR options under this proposed law that eliminates assignment of benefits from being used would be:
1. Have the repairs, tarping, or mitigation work done and have a lien placed on your house if your carrier does not pay for those expenses before they are completed. This can cause issues for YOU when you want to sell your home!
2. File a lawsuit yourself for the value of services you needed to have performed in order to clear a lien on your property, taking away your right to assign the benefits to a contractor willing to wait to get paid by your carrier (at no additional expense in time or money) to YOU.
3. Wait to make any repairs or remediation measures until your carrier decides to pay your claim (because you can’t afford to make them on your own, which is WHY YOU HAVE INSURANCE) at which point your carrier could deny your claim entirely because you did not fix the immediate problems and the damages kept getting worse.
Immunizes carriers from the consequences of engaging in Bad Faith claims handling if your carrier decides to use appraisal to determine how much they owe you, which costs YOU money you will now never be able to get paid back
YOU will have to bear the costs associated with a prolonged appraisal process and the legislature is removing your ability to get repaid for those costs from the carrier. Currently, you can provide written communication to your carrier to tell them they are unlawfully delaying or failing to use good faith to ensure a fair resolution of your claim, and IF the carrier decides to invoke appraisal to have independent adjusters decide the amount they owe, the law NOW allows you to recover the thousands of dollars it costs YOU to go through appraisal from your carrier, so long as you gave them notice of their failure to handle things properly before the appraisal process begins.
The proposed legislation takes away your ability to get that money back and leaves you without any recourse, because the proposed language immunizes your insurance carrier from having to pay for their bad faith handling of your claim if they use the appraisal process, which can cost YOU thousands of dollars if your carrier invokes it rather than pay your claim properly to begin with.
THESE PROPOSED CHANGES HURT CONSUMERS, AND YOUR VOICE MATTERS, ESPECIALLY IN AN ELECTION YEAR!
MAKE YOUR VOICE HEARD! CALL AND DEMAND THE LEGISLATURE IN FLORIDA STOP TAKING RIGHTS AWAY FROM YOU AND FOCUS ON REGULATING THE CARRIERS TO PROTECT YOU, NOT MAKE IT MORE DIFFICULT TO COLLECT PROCEEDS YOU ARE OWED IN YOUR TIME OF NEED!
Link above not working?  Find your elected official and their contact info here:
Our Contact Information
Floridians Advocating Consumer Transparency, Inc.
501 E. Las Olas Blvd. Ste. 200/300
Fort Lauderdale, FL 33301
561-490-7460
At Cohen Law Group, It’s About Justice!
It’s more than a slogan, it’s our firm’s mantra. We are zealous in protecting your rights. We offer 24-hour availability through our answering service. Call us today.
(407) 478-4878
No matter what your goals are for your outdoor living space, Jansen Shutters & Specialties can help design exactly what you are looking for.

No matter what your goals are for your outdoor living space, Jansen Shutters & Specialties can help design exactly what you are looking for.

  • Posted: May 24, 2022
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The Jansen Family have been serving the homeowner and construction industry of the Florida Gulf Coast from Fort Meyers to North TampaTarpon Springs and the Islands since 1973. In 2002, Phillip Jansen and his son Travis opened Jansen Shutters & Windows with the intention of providing the best hurricane protection necessary to ensure the safety of your family and business.

As our company grew we expanded out product line to include, Out Door Living Products. Which includes our exclusive “Jansen Vista” Motorized Insect Screens, Fabrication, Louver, Pergolas and more. We are proud to say everything we manufacture is American Made. Our work does not stop at installation, we believe it is necessary to educate our customers about the products we provide. So you can pick the best products that fits your lifestyle and budget.

 

Providing Hurricane Protection, Storm Protection Products, Hurricane Windows and Entry Doors in Sarasota, Venice, Englewood, Boca Grande, Punta Gorda, Port Charlotte, Osprey, Nokomis, Long Boat Key, Bird Key, The Keys, Siesta Key, Casey Key, Manasota Key, Bradenton, Pinellas, Tampa, Odessa, Parrish, St. Petersburg, Clearwater, Anna Maria Island, City of Sarasota, Cape Coral, Tarpon Springs, and all surrounding areas.

On this home we installed rolling screens along with a large retractable awning to provide shade whenever needed.

Rolling shutters provides the ultimate security and protection for your home.
Jansen Shutters & Specialties manufactures two types of rolling shutters for your storm shutter needs. Give us a call to schedule your free estimate. West coast of Florida call (941) 484-4700 or east coast call (407) 686-4117.

 

 

If you are looking for a screen to install on your garage door opening, give us a call. In addition to replacing your garage door, we can also provide a custom insect screen that will allow you to use your space in your garage without worrying about pesky flying pests.

Give us a call on the west coast of Florida at (941) 484-4700 or on the east coast at (407) 686-4117.

 

 

Jansen Shutters & Windows

941-484-4700

It is our goal to shelter your family, protect your investments and secure your well-being.

Give us a call today and we can help you no matter what you are looking for.

Call us at (941) 484-4700 (West Coast FL) or (407) 686-4117 (East Coast FL).

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Attn: Our internet and phone systems are down due to construction next to our Main Office.

Attn: Our internet and phone systems are down due to construction next to our Main Office.

  • Posted: May 16, 2022
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Again we find ourselves without Internet and Phone System.

Our Offices were again impacted by a severed communication line, the neighboring construction has cut through a communication line four times in the last 2 months.  This morning speaking with the construction foremen he stated they would do everything they can to get the building back on line……but they have to have this repairs done by the communications company / Comcast.

Please contact us by Email:  membership@sfpma.com 

all phone lines (voip) are down through the internet.

Sorry for any inconvenience.

SFPMA

Collection Laws in Every State, How The State and Federal Government Regulates Collections

Collection Laws in Every State, How The State and Federal Government Regulates Collections

  • Posted: May 16, 2022
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Collection Laws By State

While each state must follow the FDCPA, most have additional laws that regulate how debt collectors interact with consumers. Use the map below to learn how your state regulates these laws.

Don’t see your state? Axela Technologies is licensed to do collections in every state. We are taking care to build out a comprehensive guide outlining collection laws for each state. Keep watching this space!

 

The Fair Debt Collection Practices Act

Axela Technologies provides no cost and no risk collections for community associations using best practice collections strategies, advanced proprietary technology, and highly trained customer service representatives. We are licensed in across the United States and compliant with the Fair Debt Collections Practices Act (FDCPA).

The FDCPA is a federal law that prevents debt collectors from harassing or misleading consumers. It covers debt collection for mortgages, credit cards, personal loans, medical debt and other types of debt for personal use. Many states have their own fair debt collection laws as well. Some of these laws mirror the FDCPA. However, some offer more protection to consumers by, for example, covering creditors as well as collectors, specifying additional types of behavior that violate state law, or providing for additional types of damages. Below you can learn about the fair debt collection laws in various states.

HOA and Condo Delinquency Collection For Community Associations.

We are a specialized collections service which means a great deal in the community association industry. Understanding the nuances of how people fall behind in their maintenance fee payments and how to resolve their issues is a science and an art. At Axela Technologies we have what it takes to “move the needle” and recover 100% of what is owed to the association and the best part is that we are totally merit based. IF WE DON’T RECOVER YOUR MONEY WE DON’T GET PAID. A pretty simple concept but a bold promise at the same time.

Our proprietary software is second to none and we have the ability to keep the management and board of directors informed in real time 24/7. Our system never sleeps. The technology is fantastic and is only equaled by the people who will service your delinquent members and work with them to resolve their delinquency issues.

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Mechanical harvesting vs. hydro-raking… Which tool is the best fit for your waterbody?

Mechanical harvesting vs. hydro-raking… Which tool is the best fit for your waterbody?

  • Posted: May 16, 2022
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Mechanical Weed Removal for Lakes & Ponds

Discover how to naturally manage aquatic weed growth in your waterbody via hydro-raking or mechanical harvesting.

The answer depends on several factors, including the type of vegetation you want to be removed.

Both solutions allow you to naturally remove nuisance aquatic weeds with instant results, but which one is best for your lake or pond?

 

Harvesting or Hydro-raking? Which Mechanical Pond Weed Removal Option is Right For You?

There is rarely one specific remedy for helping restore a waterbody. Often times, restoration includes a multiyear management program encompassing a combination of aquatic management tools and techniques, such as herbicide and algaecide treatments, nutrient remediationaeration and biological augmentation. Mechanical removal is an additional management method that may be incorporated into a restoration program, and has a number of ecological benefits including nutrient mitigation, water circulation and open water habitat restoration.

Mechanical aquatic weed removal services encompasses two distinct management tools and approaches: aquatic weed harvesting and hydro-raking. While both provide ecological benefits, it is important to distinguish which option is better-suited for the specific management objectives of your lake or pond.

Before & After Mechanical Harvesting

  • Vegetation Removal via Harvesting
aquatic weed control - wetland invasive weeds - algae and aquatic weed control - hydro-raking - mechanical harvesting - water quality - before 1aquatic weed control - wetland invasive weeds - algae and aquatic weed control - hydro-raking - mechanical harvesting water quality - after 1

Mechanical Harvesting for Pond Weed Removal

The aquatic weed harvester is a floating barge that cuts and effectively removes nuisance vegetation and algae from the surface of the waterbody. The plant material is collected and then offloaded, either into a container to be transported offsite or to a designated onshore compost area.

Mechanical lake weed removal offers an eco-friendly solution that does not create temporary water use restrictions during or after the work. For sensitive aquatic ecosystems, it can act as an alternative to herbicides. Mechanical harvesting can be an ideal management option for annual plants that are invasive or at nuisance levels. The aquatic weed harvester has been proven effective on water chestnut (Trapa natans), giant salvinia (Salvinia molesta), water soldier (Stratiotes aloides), and water hyacinth (Eichhornia crassipes).

Mechanical Harvesting In Action

Before & After Hydro-raking

  • Vegetation Removal via Hydro-raking
Before_Hydro-Raking Invasive Maidencane (1) - sediment removal and dredging servicesAfter_Hydro-raking Invasive Maidencane (1) - sediment removal and dredging services

Hydro-Raking for Pond Weed Removal

The hydro-rake is also a floating barge run by two hydraulic paddle wheels, but is equipped with a 12-foot hydraulic arm with a rake attachment that is used to rake the pond bottom and remove detritus, organic sediment and aquatic vegetation with attached root systems. The hydro-rake, having no on-board storage, must offload the collected material directly onshore or onto a transport barge for removal.

Hydro-raking can be an effective alternative to herbicide and algaecide applications, but it has also proven effective in unison with these treatments. When managing emergent or floating leaf species, such as common reed (Phragmites australis) or water lily (Nymphaea sp.), herbicide application is often the first management approach, followed by hydro-raking. Hydro-raking is commonly utilized after control, to collect the plant biomass and associated root structure, negating it from contributing to the organic matter substrate below. This approach has proven effective on a number of aquatic plants such as cattails (Typha sp.), purple loosestrife (Lythrum salicaria), pickerelweed (Pontederia cordata), watershield (Brasenia schreberi) and Alligator weed (Alternanthera philoxeroides).

Hydro-raking can also serve as a more environmentally friendly and cost effective alternative to dredging. Additionally, if a lake or pond is periodically maintained through hydro raking, the need to perform a large scale dredge project may be negated, saving financial resources and prolonging ecological disruption in the process.

Hydro-raking In Action

Benefits of Mechanical Lake Weed Removal

Both aquatic weed harvesting and hydro-raking collect plant biomass before it decomposes and contributes to the organic muck layer, maintaining or increasing overall water depth. In addition to the plant biomass, these mechanical options remove the associated nutrients (phosphorus and nitrogen) that contribute to increased plant and algae growth and, potentially, eutrophication.

These management techniques are used in a wide variety of projects on private, public and state waterbodies to help maintain or restore the open water space of shorelines, coves, inlets and outlets. Depending on the lake management objective and the target aquatic species for control, mechanical projects are usually part of a multiyear program. The next time you look out at your lake or pond, remembering its former attributes and beauty, consider investigating how mechanical lake weed removal services can be applied to help restore balance to your aquatic ecosystem.

 

Facing South Florida: Condo Safety Concerns TV host: Eric Glazer watch it now!

Facing South Florida: Condo Safety Concerns TV host: Eric Glazer watch it now!

  • Posted: May 15, 2022
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Jim DeFede’s guest for Sunday’s show was Eric Glazer, one of the state’s leading condo attorneys who has been pushing for years to make condos safer.

Glazer has been warning about a tragedy like the one in Surfside.

The two discussed, among other things, why the legislature failed to pass anything during its session.

Glazer also said why he believes Gov. Ron DeSantis has refused to do anything to make condos safer nearly a year after the deadly building collapse.

Watch the Program NOW.

Join KBR’s Peter Mollengarden for delicious hot breakfast with awesome education (2 CEUs)

Join KBR’s Peter Mollengarden for delicious hot breakfast with awesome education (2 CEUs)

  • Posted: May 15, 2022
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Join KBR’s Peter Mollengarden for delicious hot breakfast with awesome education (2 CEUs)

The West Palm Breakfast Group!
Wed., May 18, 2022 | 7:30am | PBI Holiday Inn
Peter C. Mollengarden, Esq., from KBR, with also be there.
Not close to Palm Beach Airport, or know of someone who will benefit from this seminar?
Please feel free to share this email!
“These are Not Your Mother’s Appliances”
Course #: 9631376 | Provider #: 0007779 | 2 CE credits in OPP for CAMS
Courses presented by:
Fred Kaye | A-1 Appliance & Refrigeration Repair
Everyone who attends will get a FREE GIFT of charcoal for their refrigerators! Yes…charcoal! Come join us and find out WHY!
There will be a delicious, free hot breakfast and door prizes!
Airport (PBI) Holiday Inn: 1301 Belvedere Rd., West Palm Beach, FL 33405
Kaye Bender Rembaum | Visit Us Online
Pompano: 1200 Park Central Boulevard South; Tel: 954.928.0680
Palm Beach Gardens: 9121 North Military Trail, Ste. 200; Tel: 561.241.4462
Tampa: 1211 N. Westshore Boulevard, Ste. 409; Tel: 813.375.0731
Offices in Miami by appointment: 800.974.0680
OUT OF SIGHT DOES NOT MEAN OUT OF MIND  By Eric Glazer, Esq.

OUT OF SIGHT DOES NOT MEAN OUT OF MIND By Eric Glazer, Esq.

  • Posted: May 09, 2022
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OUT OF SIGHT DOES NOT MEAN OUT OF MIND

By Eric Glazer, Esq.

I like to re-publish this article every few years because it is so important.  As we get closer to summer we are simultaneously getting closer to lots and lots of empty condominium units because many owners are returning up north for a few months.  Just because you leave your Florida condominium for a few months however does not mean that your responsibility to maintain your unit stops once you hit the Georgia border.

Every declaration of condominium has a general clause that requires the owner of the unit to maintain his or her unit in good condition.  In fact, arbitration decisions have held that “where an owner does not reside in the unit, it is incumbent on the owner to routinely and periodically examine and inspect the unit to ensure the absence of leaks and conditions that would otherwise lead to damage to the building and its occupants.  In recognition of the fact that where multiple owners occupy a single building, a problem that develops in one unit may well affect other units and the common element components of the building.”  See: Los Prados Condominium Association v. Lemley Case No. 03-6092; May 25, 2004, Arbitrator, Scheuerman.

So, if you’re headed up north for a few months, and you know that a friendly neighbor is going to remain in Florida, make sure to leave that neighbor a key to your unit and ask him or her to check the place every now and then.  And…..if your association governing documents require that you leave the association with a key, you BETTER DO THAT!  There is virtually no excuse for failing to do so, but that’s for another column.  If you don’t leave a key, remember that the law provides:

(5) RIGHT OF ACCESS TO UNITS.—

(a) The association has the irrevocable right of access to each unit during reasonable hours, when necessary for the maintenance, repair, or replacement of any common elements or of any portion of a unit to be maintained by the association pursuant to the declaration or as necessary to prevent damage to the common elements or to a unit.

If the association thinks a leak is coming from your unit, if they don’t have a key, they’re using a locksmith and/or breaking your lock or door to get in.  And, they’re entitled to do it, if they have no other reasonable means to get in.  And…….. it’s the unit owner who is going to pay for the lock and door repair if there really was a leak.  Bottom line…be smart….plan ahead and make sure that when Florida gets in your rear view mirror this year, someone is still left behind watching your unit.

Keep informed with articles for Condo and HOA’s 

Stocking up: 500,000 fish released into South Florida waterways for sport, sustainability

Stocking up: 500,000 fish released into South Florida waterways for sport, sustainability

  • Posted: May 09, 2022
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The saying goes that there’s always a bigger fish. In this case, there’s always a bigger number of fish in Broward County this time of the year. article on Sun Sentinel.

Allstate Resource Management, a family business headquartered in Davie, sponsors a major event every year in which it stocks over 500,000 native fish in HOA lakes and partner communities in South Florida. The event took place in early April, marking its 22nd year.
The fish-stocking event is meant to increase populations of largemouth bass, bluegill, channel catfish and mosquitofish. Allstate manages the waterways that benefit from their efforts. According to their estimates, hundreds of thousands of nonnative fish die in South Florida ponds, lakes and waterways every year as a result of winter weather and other natural causes.
Allstate’s Executive Director Andy Fuhrman said that the company’s main focus is taking care of water quality in lakes in South Florida. He said that most of them are manmade stormwater retention ponds. “We try to make sure that the water quality is as healthy as possible,” he said. “We want to make sure that there’s no invasive vegetation, algae or excessive growth.”

 

Fish stocking in South Florida – find services on our website avail to property managers, boards and property owners throughout Florida.

Allstate Resource Management can handle all of your fish stocking needs in South Florida, whether it is triploid grass carp for assistance in weed control or largemouth bass for the avid angler. A balanced, healthy fish population can help to absorb nutrients in the water, control undesirable weeds, insects and other aquatic pests. They also provide a recreational asset for enjoyment. Call us today to find out more about our fish stocking services in South Florida.

We can design a lake or pond fish stocking program that is customized to meet your needs and budget which will include recommended fish species, quantity, government requirements and costs. For information on fish stocking, call us now

 

EDUCATIONAL RESOURCES FOR PROPERTY MANAGERS

One of the most challenging aspects of lake maintenance is communicating the management program to the clients. A homeowner that sees a lake from a purely aesthetic point of view has a vastly different understanding than an applicator that is actively managing it.

We have the ability to help you educate your homeowners about their lakes and what we do. When you have questions about how your lake is being cared for, our experienced applicators are available to provide you with the answers you need. Feel free to print any of our “Understanding Your Lake” articles in this resource section.

If you would like us to supply articles for your HOA newsletters regarding waterway issues, please give us a call. We are also available for consultation presentations to HOA’s. We are a DBPR approved provider of CEU credits for CAM s and are available to supply your property management company with accredited courses.

Short Term Rentals A Neighborhood Problem. by Joseph E. Adams of Becker

Short Term Rentals A Neighborhood Problem. by Joseph E. Adams of Becker

  • Posted: May 05, 2022
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Short Term Rentals A Neighborhood Problem

Joseph E. Adams

Q: How can a homeowners’ association regulate owners renting out their houses to short term guests?  If the association were to enforce with a penalty, how can it collect on it? (E.H., via e-mail)

A: The place to start is knowing what your governing documents and local laws say about the subject. For example, some municipalities limit rentals in residential areas to a 30-day minimum, so violations could be reported to the local code enforcement agency.

Most documents limit the use of homes to “residential use.” These provisions have been extensively litigated in courts across the country and there is not a bright line test defining what activities constitute residential or commercial uses. However, courts have generally been reluctant to apply a residential use provision as a restriction on short-term rentals, and there is at least one appellate court decision in Florida to that effect.

Therefore, the most effective way to address rental restrictions is a specific provision in your declaration of covenants setting forth permissible and impermissible rental durations. Many declarations contain such a provision, while some do not. If your declaration does not contain a rental limitation, it would have to be amended in the manner set forth in the declaration. Most declarations require some level of super-majority approval for amendment, two-thirds and 75% being the most common standards. Some declarations require the vote be calculated based on all eligible voters, and some provide that the calculation is based on those who vote at a duly noticed meeting at which a quorum is established.

You should also be aware that the Florida Homeowners’ Association Act was amended in 2021 to limit the ability of homeowners’ associations to amend rental rights. The retroactive application of that statute to pre-existing associations is a complicated and open legal question. The new law provides that amendments limiting the duration or frequency of permissible rentals is only applicable to those owners who vote in favor of the amendment, those who vote against the amendment or don’t vote are “grandfathered,” but the amendment would be binding on their successors in title.

Importantly, Section 720.306(1)(h) of the Florida Homeowners’ Association Act does permit amendments that prohibit rentals for a term of less than six months or prohibit rentals of less than three times during a calendar year to be applied to all parcel owners if the declaration is properly amended, whether an owner voted in favor of the amendment or not.

Once you have determined what the actual rule is, the next question is how you enforce it. As stated above, if the rental violates local ordinances, referring the matter to code enforcement may be an effective and inexpensive way to seek redress.

Fining and suspension of common area use rights are one avenue, but probably not the most effective for this kind of violation. Many homeowners’ associations do not have the level of amenities where suspension of the right to use them deters violations. Fines are capped at one thousand dollars in the aggregate for ongoing violations, unless the governing documents permit a higher amount. There is also a somewhat detailed notice and hearing process that must be followed to impose a fine or suspension.  If a fine is properly levied, it can be a lien upon the home if it is for one thousand dollars or more and the language of your documents may also come into play. Otherwise, the venue to collect a fine is small claims court, and the prevailing party in a suit to collect a fine is entitled to recover their attorneys’ fees from the losing party.

The better approach for this type of violation is direct legal action by the association against the owner seeking a court order (injunction) to enforce the rule against short term rentals. Well-written documents may give you additional leverage in a court action. Generally speaking, the winning party can collect their legal fees from the losing party. The association’s lawyer should be brought into the picture early in the process, so he or she can advise what pre-suit steps may be necessary to protect your ability to enforce the restriction.

Joseph E. Adams is a Board Certified Specialist in Condominium and Planned Development Law, and an Office Managing Shareholder with Becker & Poliakoff. Please send your community association legal questions to jadams@beckerlawyers.com. Past editions of the Q&A may be viewed at floridacondohoalawblog.com.