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A Comprehensive Look at Florida’s Proposed HOA Reforms and What They Mean for Homeowners
Florida may be on the verge of one of the most significant updates to HOA governance in years. HB 657, introduced by Representative JC Porras, proposes major revisions to Chapter 720 that could reshape how homeowners’ associations operate and how disputes are resolved. The bill modernizes association governance, expands homeowners’ access to relief, and—most notably—creates the first-ever statutory process that allows communities to formally terminate an HOA.
HB 657 signals a shift in how Florida views community-association oversight. Its goal is clear: make association governance more transparent, more efficient, and more aligned with the needs of homeowners across the state.
A New Community Association Court Program
One of the most impactful features of HB 657 is the creation of the Community Association Court Program. This program would allow judicial circuits to establish dedicated divisions focused exclusively on disputes arising under Chapters 718 (condominiums), 719 (cooperatives), and 720 (homeowners’ associations).
This is a major change for homeowners. Instead of having their disputes assigned to judges with varying levels of association-law experience, cases could be heard by judges who regularly handle these matters. The goal is simple and meaningful: more consistency, more efficiency, and clearer rulings for all parties involved.
Expanded Arbitration Options for Faster Resolutions
HB 657 also updates the current arbitration process by allowing the use of private arbitrators, as long as they are certified by the Department of Business and Professional Regulation (DBPR).
This expansion could help relieve the backlog within the existing state-run arbitration system. With more arbitrators available, homeowners may finally see:
• Faster case resolutions
• More accessible dispute mechanisms
• Reduced legal bottlenecks
By increasing arbitrator availability, the bill aims to give homeowners a more reliable path to relief when conflicts with their associations arise.
Mandatory Adoption of Kaufman Language
Another important element of HB 657 is its requirement to implement Kaufman language into HOA governing documents. Kaufman language ensures that when the legislature updates the HOA statute, those changes automatically apply to the association—unless otherwise stated.
Under the bill:
• All new associations formed on or after July 1, 2026, must include Kaufman language in their declarations.
• Existing associations must hold a vote on January 1, 2027, allowing owners to decide whether to adopt this language going forward.
This change would help ensure that governing documents stay aligned with consumer-protection updates, reducing confusion and reinforcing legal consistency statewide.
A First-Ever HOA Termination Procedure
HB 657 introduces a formal, structured process for terminating an HOA, something Florida law has never clearly defined under Chapter 720.
The proposed termination process includes:
• A petition signed by 20% of all owners
• A required association meeting within 60 days
• A two-thirds vote to approve termination
• A supervised wind-down process overseen by the court
For communities that are no longer functioning effectively—or where association governance has become strained—this provides an organized path forward. Homeowners who previously felt “stuck” may finally have a legal mechanism to dissolve an association that no longer serves its purpose.
What HB 657 Means for Florida Homeowners
Taken together, these reforms represent a major evolution in Florida’s community-association landscape. HB 657 strengthens dispute-resolution options, introduces clearer judicial pathways, modernizes governing documents, and gives homeowners exceptional new tools to protect their interests.
As the bill moves through the legislative process, its potential impact will continue to grow. Perez Mayoral, P.A. will monitor its progress closely to help homeowners and associations understand their rights and responsibilities under these proposed changes.
HB 657 is more than a policy update—it’s a blueprint for a more balanced and transparent future in HOA governance.
If you have questions about how HB 657 could affect your community or your rights as a homeowner, our team is ready to help. Contact Perez Mayoral, P.A. today to discuss your situation and receive clear guidance tailored to your association’s needs.
Phone: 305.928.1077
Email: eperez@pmlawfla.com
