GG is right. Each state and each HOA can be a little different. Before retiring, I sold insurance in NH, MA, ME and FL. Florida, in particular was a major mish-mash, and it's even worse since the collapse of that building in Miami a few years ago.
Developers tend to go cheap to keep condo fees down while they're trying to sell new construction. Once they move on, the new association may have changes and do some catching up on cash reserves. Any documents you use, be absolutely sure they are current, not last year's.
Your local attorney, realtor and insurer should all have some experience so you don't have to retrace other's steps.
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