HOA letters are written to sound final. Florida law says otherwise: no fine without 14 days' written notice and a hearing before a committee that isn't the board; fines capped; no lien under $1,000; and since 2024, a list of things they can't fine you for at all. Paste the notice. You get the rules, your deadline, and the letter.
Free decode
The letter text, the date on it, what they say you did, the fine amount, and any hearing date. Say what's true.
Why this exists
A fine without 14 days' notice and a hearing before an independent committee is not enforceable. Knowing that turns a threatening letter into a procedural question — which is exactly where you want it.
How it works
The date, the rule cited, the fine, any hearing. Tell us whether it's accurate.
Whether the HOA followed 720.305, whether the rule is even enforceable after the 2024 changes, the fine math, and your deadlines computed from the notice date.
A calm letter: what you've done, what you dispute, the hearing you're entitled to, the documents you're requesting. Certified mail, copy kept.
Plans
Homeowners get the rules. Boards get compliant notices — and fewer lawsuits.
Every renter and homeowner tool, one membership — leases, deposits, repairs, HOA notices, mortgage hardship, home-warranty fights, AC and lawn quote checks.
Your response letter citing the statute, a records request (720.303 official records), a hearing-prep sheet, and a deadline calendar.
For boards and managers: compliant 14-day notices, hearing scripts, fine schedules within the caps, and the 2024 'cannot fine for' checklist.
All prices in USD, handled by Stripe. The free decode never goes behind a paywall.
Common questions
No — it explains Florida Statutes chapter 720 as it reads today, using the free decode of your notice. It is not legal advice, and your declaration and covenants also apply on top of the statute. For a lien, a foreclosure threat, or a fine over $1,000, the tool tells you to talk to a Florida HOA attorney, many of whom offer flat-fee letters.
Yes, the decode is described as free. The material provided doesn't say anything about whether your pasted text is stored, so we can't confirm that either way here — if that matters to you, ask before pasting anything sensitive. What we do know is that the tool is informational, doesn't send letters for you, and isn't affiliated with any association, management company, or agency.
It computes your deadline from the date on your notice, based on the 14-day written notice and hearing requirement Florida law sets before a fine can be imposed. That hearing has to be in front of a committee that isn't the board itself. It's still worth double-checking that date against your own notice and, if anything looks off, confirming with the association or an attorney.
No — the tool explains that since 2024 there's a list of things associations can't fine you for at all, on top of the existing $100/day and $1,000 caps. But the material is clear that the 2024 changes have exceptions, so it's not a blanket shield. This is explained as Chapter 720 stands today, not as a guarantee for your specific situation.
That's exactly where the tool says to stop and get real legal help — for a lien, a foreclosure threat, or a fine over $1,000, it recommends talking to a Florida HOA attorney, noting many offer flat-fee letters. The free decode explains when a fine can become a lien under Chapter 720, but it doesn't replace an attorney once you're at that stage.
No — the disclaimer specifically says condominiums are governed by Florida Statutes chapter 718, not chapter 720, and the rules differ. This tool is built around chapter 720 (with 2024–2025 amendments), so if you live in a condo, it isn't the right tool for your notice.
No — la herramienta explica el capítulo 720 de los Estatutos de la Florida tal como está vigente, usando la lectura gratuita de su aviso. No es asesoría legal, y su declaración y sus convenios (covenants) también aplican además del estatuto. Si hay un gravamen (lien), una amenaza de ejecución hipotecaria (foreclosure), o una multa de más de $1,000, la herramienta le indica que hable con un abogado de HOA en la Florida, muchos de los cuales ofrecen cartas por tarifa fija.
Sí, la lectura del aviso se describe como gratuita. El material proporcionado no dice si el texto que usted pega se guarda o no, así que no podemos confirmarlo aquí en ningún sentido — si eso le preocupa, pregunte antes de pegar información sensible. Lo que sí sabemos es que la herramienta es informativa, no envía cartas por usted, y no está afiliada con ninguna asociación, compañía administradora ni agencia.
Calcula su fecha límite a partir de la fecha del aviso, basándose en el requisito de aviso escrito de 14 días y audiencia que exige la ley de la Florida antes de imponer una multa. Esa audiencia debe ser ante un comité que no sea la junta directiva misma. Aun así, conviene verificar esa fecha contra su propio aviso y, si algo no cuadra, confirmarlo con la asociación o con un abogado.
No — la herramienta explica que desde 2024 existe una lista de cosas por las cuales las asociaciones no pueden multarlo en absoluto, además de los límites existentes de $100 por día y $1,000 en total. Pero el material aclara que los cambios de 2024 tienen excepciones, así que no es una protección total. Esto se explica según el capítulo 720 tal como está hoy, no como garantía para su situación específica.
Ahí es exactamente donde la herramienta le dice que se detenga y busque ayuda legal real — para un gravamen, una amenaza de ejecución hipotecaria, o una multa de más de $1,000, recomienda hablar con un abogado de HOA en la Florida, y menciona que muchos ofrecen cartas por tarifa fija. La lectura gratuita explica cuándo una multa puede convertirse en gravamen bajo el capítulo 720, pero no reemplaza a un abogado una vez que usted llega a esa etapa.
No — el aviso legal (disclaimer) indica específicamente que los condominios se rigen por el capítulo 718 de los Estatutos de la Florida, no por el capítulo 720, y las reglas son diferentes. Esta herramienta está construida sobre el capítulo 720 (con las enmiendas de 2024–2025), así que si usted vive en un condominio, esta no es la herramienta correcta para su aviso.
Built by the same team, free to try.