Florida · Fla. Stat. § 720.305(2)(b)
Florida HOA Dispute Letter — Statute-Cited, $29.
Letter cites Fla. Stat. § 720.305(2)(b) — Florida caps HOA fines at $100 per violation per day and requires a hearing before a committee of non-board members. Drafted in 5 minutes, certified-mail-ready, $29 one-time.
- Fla. Stat. § 720.305(2)(b)
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Last updated: May 2026
Researched by the HOAOverreach Research Team
Coral Pointe HOA
Attn: Board of Directors
Boca Raton, FL
Re: Violation Notice — fine of $750
Dear Board of Directors,
I'm writing in response to the $750 fine assessed at my property. As context for this dispute, the Patels of Boca Raton received a $750 fine — seven times the statutory daily cap — for installing hurricane shutters without ARC approval.
Under Fla. Stat. § 720.305(2)(b), Florida caps HOA fines at $100 per violation per day and requires a hearing before a committee of non-board members. The board did not meet that requirement here.
I demand the fine be rescinded within 14 days. Alternatively, please schedule the hearing the Florida Homeowners Association Act requires.
Respectfully,
[Homeowner]
Coral Pointe HOA
Attn: Board of Directors
Boca Raton, FL
Re: Violation Notice — fine of $750
Dear Board of Directors,
I'm writing in response to the $750 fine assessed at my property. As context for this dispute, the Patels of Boca Raton received a $750 fine — seven times the statutory daily cap — for installing hurricane shutters without ARC approval.
Under Fla. Stat. § 720.305(2)(b), Florida caps HOA fines at $100 per violation per day and requires a hearing before a committee of non-board members. The board did not meet that requirement here.
I demand the fine be rescinded within 14 days. Alternatively, please schedule the hearing the Florida Homeowners Association Act requires.
Respectfully,
[Homeowner]
Statute Facts
What Florida HOA law actually says
These are the Florida-specific rules every dispute letter from this page cites. Each sentence is sourced directly from Florida Homeowners Association Act (Fla. Stat. §§ 720.301–720.428).
- Florida caps HOA fines at $100 per violation per day with an aggregate maximum of $1,000 per violation under Fla. Stat. § 720.305(2)(b).
- Florida HOAs must provide notice and a hearing before a committee of non-board members before assessing a fine under Fla. Stat. § 720.305(2)(b).
- Under Fla. Stat. § 720.303(5), Florida HOAs must make official records available within 5 business days of a written request.
- Florida Fla. Stat. § 720.3085 requires the total HOA lien exceed $1,000 or be more than 12 months delinquent before foreclosure can proceed.
- Florida requires 48 hours posted notice for all HOA board meetings under Fla. Stat. § 720.303(2)(a).
The fine math
Florida HOA fine and procedure rules at a glance
Pre-fine hearing
Required by state law
Notice period
14 days
Statutory fine cap
$100 per violation per day
Dispute resolution
mediation
Florida requires pre-suit mediation for most HOA disputes under Fla. Stat. § 720.311. After failed mediation, file with the DBPR or in county court.
What's in your letter
Every Florida letter built on three pillars
Fla. Stat. §§ 720.301–720.428
Each letter cites the specific section of Florida Homeowners Association Act the board allegedly skipped — by section number, not by general reference.
CC&R clause analysis
The article and section of the CC&Rs the board cited — pulled into the letter so the board cannot later claim a different clause governs.
Fine-cap or fee math
Florida caps fines at $100 per violation per day — the letter shows the board exactly where it overshot.
Florida-specific. Statute cited. Certified-mail-ready.
FAQ
Common Florida HOA dispute questions
What is the HOA fine cap in Florida?
Fla. Stat. § 720.305(2)(b) caps Florida HOA fines at $100 per violation per day with an aggregate maximum of $1,000 per violation. Any fine above $1,000 per violation is unenforceable on its face. The HOA must also provide a hearing before a committee of non-board members before the fine is imposed.
When can a Florida HOA foreclose on my home?
Fla. Stat. § 720.3085 requires the total lien to exceed $1,000 or be more than 12 months delinquent before the HOA can initiate foreclosure. Even then, the HOA must provide 45 days written notice before filing the lien and offer the homeowner an opportunity to pay.
Can I file a complaint with the Florida DBPR against my HOA?
Yes. The Department of Business and Professional Regulation (DBPR) investigates HOA complaints related to elections, meetings, financial reporting, and records access under Chapter 720. File online at myfloridalicense.com or call (850) 488-1122. Complaints must be in writing and specify the statute allegedly violated.
How quickly must my Florida HOA produce records I request?
Within 5 business days under Fla. Stat. § 720.303(5). The HOA may charge no more than $0.25 per page for copies. Refusal to produce records on time is one of the most common DBPR complaint grounds and is routinely sanctioned.
Push back on your Florida HOA.
Statute cited. CC&R clause referenced. Delivered as a print-ready PDF in under 5 minutes.
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