What records can I request from my HOA in Florida?

Reviewed May 2026

📘 Short Answer

Under Florida Statutes §720.303, Chapter 720 HOA members have the right to inspect official records including financial statements, meeting minutes, contracts, vendor agreements, insurance policies, governing documents, membership roster information, voting records, and other written records related to association operations.

The HOA must make official records available within 10 business days after receiving a written request, either within 45 miles of the community, within the county where the association is located, in the community, electronically, or through internet access. A certified-mail request that is not honored within 10 business days creates a rebuttable presumption of willful noncompliance.

Willful failure can result in actual damages or minimum damages of $50 per calendar day for up to 10 days, beginning on the 11th business day after receipt of the request. Members may use a smartphone, scanner, or similar portable device to copy records without being charged for using that device. This answer applies to Florida homeowners' associations governed by Chapter 720; condominium associations are generally governed by Chapter 718.

⚖️ Relevant Florida Law

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F.S. §720.303 — Governs HOA official records, inspection and copying rights, 10-business-day access, website/electronic access, copying charges, protected records, and damages for willful denial.

🏠 What This Means for Homeowners

Florida Chapter 720 gives HOA members broad access to official records. A clear written request, especially by certified mail, helps preserve the 10-business-day deadline and statutory remedies.

✓ Send a written request identifying the specific official records you want
✓ Use certified mail if you want the statutory presumption of willful noncompliance to apply after 10 business days
✓ The HOA must make records available within 10 business days after receipt of your request
✓ Ask whether records will be available in the community, within 45 miles, within the county, electronically, or through online access
✓ You may use a smartphone, tablet, portable scanner, or similar device to copy records without paying a device-use fee
✓ If you request paper copies, expect only the copying/personnel charges allowed by §720.303
✓ If access is willfully denied, minimum damages may be $50/day for up to 10 days ($500 max), beginning on the 11th business day

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🏢 What This Means for Boards and Managers

Florida HOA boards should keep official records organized, protect nonpublic information, and respond to written inspection requests within the statutory 10-business-day window.

✓ Confirm the request identifies official records governed by §720.303
✓ Make records available within 10 business days after receipt of the written request
✓ Provide access within 45 miles of the community, within the county, in the community, electronically, or through internet access when applicable
✓ Allow members or authorized representatives to use portable devices to scan or photograph records without a device-use fee
✓ Charge only the copying and personnel costs permitted by §720.303
✓ Redact or withhold records that §720.303 protects from member access
✓ Document the request, response date, access method, records produced, redactions, and any charges

⚠️ Common Mistakes to Avoid

✕ Responding after the 10-business-day deadline
✕ Ignoring the certified-mail presumption of willful noncompliance
✕ Charging excessive copying fees or charging members to use their own portable device
✕ Refusing access to official records without legal justification
✕ Posting or producing protected information without proper redaction