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The Florida Condominium Owner’s Manual

Free sample chapter

Chapter 5: Assessments, Budgets, and Reserves

The financial health of a condominium association determines everything: the condition of the building, the value of individual units, and the association’s ability to respond to emergencies. This full chapter explains regular and special assessments, how budgets are built, how reserves work, and what Florida’s new funding rules mean for your community.

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What’s in the chapter

What you will learn

Where your dues actually go

How an association budget is assembled, what operating expenses cover, and how your share is calculated under your declaration.

Reserves, explained properly

Pooled versus straight-line reserves, how a reserve study turns into a funding plan, and why underfunded reserves become special assessments later.

The new rules

What changed after Surfside: which reserve items can no longer be waived, what a SIRS requires, and the questions owners should be asking at budget season.