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    HOA & Condo Board Guide

    HOA Flood Records & Documentation

    Florida SB 948 (effective October 1, 2025) requires condo and co-op developers and sellers to disclose flood history for common elements under §718.503 and §719.503 F.S. HOA boards must now maintain reliable flood documentation to avoid liability at resale.

    Legal disclaimer: This guide is for informational purposes only and is not legal advice. Consult a licensed Florida attorney or licensed community association manager (LCAM) before implementing any compliance program.

    Why boards must act now

    Under SB 948, buyers have a 15-day right to cancel if flood disclosures are missing or materially misleading. A board that cannot produce a credible flood event history for common elements exposes the association to:

    • Buyer cancellation of unit sales — disrupting owner exit transactions
    • Civil liability for fraudulent or negligent misrepresentation
    • Insurance coverage disputes if undisclosed flood history surfaces during a claim
    • Lender scrutiny — mortgage lenders increasingly review flood disclosure compliance

    Flood Season Readiness Checklist

    Identify all common elements subject to flood exposure (parking decks, clubhouses, ground-floor units, mail rooms, garages, pools, mechanical rooms)
    Verify FEMA flood zone designation for all parcels in the association footprint
    Document all flood events since the association's founding (date, extent, affected areas, damage, repairs)
    Maintain receipts and insurance claim records for all flood-related repairs
    Record any federal disaster assistance or NFIP payouts received
    Note any FEMA Repetitive Loss or Severe Repetitive Loss designations
    Review and update flood disclosure documentation before each unit sale or lease renewal
    Ensure property management software includes a flood event log field for each community

    What Floodi provides for HOA boards

    Ongoing flood event log

    Community members submit geo-tagged flood reports as events happen. Each report is timestamped and archived — building a continuous flood history automatically.

    NWS alert cross-reference

    Reports are automatically cross-referenced with National Weather Service flood alerts, strengthening the evidentiary record that a flood event occurred on a specific date.

    Export for disclosure packets

    Org admins can export a CSV or PDF flood event log covering any date range — ready to attach to disclosure packets or share with counsel.

    Historical flood archive

    Search Floodi's historical flood event database (sourced from NOAA Storm Events) for past events predating your community's Floodi enrollment.

    Important: Floodi documents observed flooding from community reports and NWS data. It does not replace professional flood zone determinations, elevation certificates, or NFIP claims history. For complete disclosure compliance, supplement Floodi data with an official FEMA flood zone determination and your insurance claim history.

    Start documenting your community's flood history

    Create a Floodi Org account for your HOA or property management company. Pro and Government plans include data export and disclosure report generation.

    Create org accountDisclosure law overview →