Florida HB 913: What CAMs and Boards Need to Know
For most CAMs and board members, the daily challenge is not a lack of information. It is a lack of organization.
Application files scattered across email threads. Approval decisions tracked in a shared spreadsheet. Documents that are difficult to find when someone needs them weeks later. Version histories that no one can verify.
Florida HB 913, signed into law on June 23, 2025, and effective July 1, 2025, did not create this problem. But it made it harder to ignore.
The law introduced formal requirements around digital recordkeeping, transparency, and CAM accountability across Florida condo and cooperative associations. For management teams still running on manual workflows, the gap between what is now expected and what those tools can consistently deliver is real and growing.
This post breaks down what HB 913 actually requires, why it matters operationally, and what a better workflow looks like for Florida associations managing resident applications and board approvals.
What Is Florida HB 913 and Who Does It Affect?
Florida House Bill 913 is a 2025 law that expanded safety, transparency, and governance requirements for condominium and cooperative associations in Florida. It was signed by Governor DeSantis on June 23, 2025, with most provisions taking effect July 1, 2025. A second wave of reporting obligations began October 1, 2025.
The law was shaped in large part by the 2021 Surfside condominium collapse, which exposed serious gaps in how Florida associations handled building safety, financial reserves, and board oversight. HB 913 builds on reforms passed in 2022, tightening those rules and adding new digital governance requirements.
It primarily applies to condominium and cooperative associations. Some provisions around CAM licensing apply more broadly. HOA boards and managers should consult qualified legal counsel to understand what applies to their specific community. Nothing in this article is legal advice.
The full bill text is available on the Florida Senate's official HB 913 page.
What Are the Key Documentation Requirements Under HB 913?
This is the section that matters most for CAMs and management companies day to day.
Online Accounts with the State Division
By October 1, 2025, all condo and cooperative associations were required to create online accounts with the Florida Division of Condominiums, Timeshares, and Mobile Homes. Those accounts must be kept current with board member information, inspection records, and reserve study data. Annual updates are required. Contact information must be updated within 30 days of any change.
This creates a state-level record of each association's governance status that is accessible to owners and regulators. It is not a voluntary reporting option. It is a formal ongoing obligation.
CAM Online Licensure Accounts
All licensed community association managers must now maintain an online account with the Department of Business and Professional Regulation (DBPR). That account must identify the management firm they work for, the communities they serve, and relevant service details. Any changes must be updated within 30 days.
This requirement creates a public, traceable record of CAM activity across Florida. It also means that associations can verify the licensing status of the managers they work with more easily than before.
Expanded Official Records
HB 913 expanded the definition of what counts as an official association record under Florida Statute 718.111(12). That list now includes individual bank statements and ledgers, affidavits required under Chapter 718, and video recordings of board meetings held by video conference.
Associations must post new official records to their website or mobile platform within 30 days of creation or receipt. This is a change from previous law, which had less specific posting requirements.
Video Meeting Recording and Storage
Board meetings conducted by video conference must now include a hyperlink and call-in number in the meeting notice. The recordings of those meetings must be retained as official records for seven years.
This effectively turns every video board meeting into a permanent piece of association documentation. Associations that hold regular video meetings and have not been systematically archiving recordings now face a clear obligation to do so.
Electronic Voting Rights
If 25% or more of unit owners submit a written petition, the association must provide a mechanism for electronic voting in elections and on major decisions.
This lowers the practical barrier to broader owner participation and puts pressure on associations to have digital voting infrastructure in place.
What Changed for CAM Licensing Under HB 913?
Beyond documentation, HB 913 introduced two significant changes to how CAM licenses are regulated in Florida.
First, any person who has had their CAM license revoked is now prohibited from holding any direct or indirect ownership interest in a community association management firm, or serving as an employee, partner, officer, director, or trustee of such a firm for a period of 10 years from the date of revocation. They also cannot reapply for a license during that period.
Second, when the DBPR revokes or suspends a CAM license, the Division is now required to send written notice to both the management firm and the community association being served. This means associations are formally notified when the manager handling their community has a licensing action taken against them, rather than having to discover it independently.
These changes increase accountability at the manager level and give association boards more visibility into the professional standing of the people they work with.
Why Do Florida Associations Struggle with Documentation in the First Place?
HB 913 raised expectations. But the reason those expectations are difficult to meet for so many associations comes down to how the work has historically been done.
Most community associations in Florida process resident applications through a combination of email, PDF attachments, and spreadsheet tracking. A CAM receives an application by email, follows up separately for missing documents, forwards materials to the board through another email chain, and then records the outcome somewhere in a shared drive or folder system.
This workflow creates several problems that compound over time.
Records Are Scattered
A complete applicant file might exist across six email threads, three attachments, and a spreadsheet row. There is no single place where everything lives.
There Is No Audit Trail
If a board member asks why an application was approved or denied two years ago, the answer depends on whether the right emails were saved and whether the person who handled it can still be reached.
Status Is Invisible
Without a centralized system, every update requires a manual check. CAMs spend time on status requests instead of on decisions that need their judgment.
Inconsistency Creeps In
When the process lives in email and spreadsheets, different applications get handled differently depending on who is managing them and how busy that week is. That inconsistency is hard to defend.
HB 913 does not mandate a specific technology solution. But it does mandate outcomes: organized records, accessible documentation, and consistent processes that manual workflows cannot reliably produce at scale.
What Does a Modern Association Documentation Workflow Look Like?
The communities that handle HB 913 requirements most comfortably are not necessarily the largest or the best-staffed. They are the ones that have centralized their workflows so that documentation is created automatically as part of the process, not assembled manually after the fact.
Here is what that looks like in practice.
Centralized Application Files
Every document, form, ID submission, background check result, and board decision tied to one applicant in one place. No chasing attachments. No compiling files before a board meeting. The record exists and is complete before the board ever opens it.
Real-Time Status Visibility
CAMs and board members can see exactly where each application stands at any moment without sending a follow-up message or making a call. Status is visible, current, and accessible from the management dashboard.
Automatic Audit Trails
Every action in the application process. Every document received. Every board vote. Every status change. Recorded with a timestamp automatically.
The record does not depend on anyone remembering to document what happened. It is built into the workflow.
Consistent Document Collection
Required documents are defined inside the system so every application arrives complete rather than assembled through multiple follow-up requests. If a document is missing, the system flags it before the application reaches the board.
Digital Board Review and Voting
Board members access applicant files through a dedicated portal. They review screening results, supporting documents, and identity verification in one organized view. They record their votes and notes digitally. The decision log is preserved automatically without any extra steps from the CAM.
Identity Verification Built Into the Flow
Applicant identity is verified as part of the application process, not as a separate step handled through a different tool. The verification result becomes part of the applicant's record, accessible to the board and traceable in the audit log.
This type of workflow does not add work to the management team. It removes it. And it produces documentation that is organized, defensible, and accessible when it is needed.
How Does HB 913 Connect to the Broader Direction of Florida Association Law?
It helps to understand that HB 913 is not an isolated event. It is part of a consistent legislative direction that Florida has been moving in since 2021.
After the Surfside collapse, the state passed sweeping reforms in 2022 requiring milestone inspections for buildings of three or more stories and mandating structural integrity reserve studies for older buildings. Those reforms were the first major push toward accountability and documented safety processes for Florida associations.
HB 913 in 2025 extended and refined those requirements. It added digital governance obligations, strengthened CAM oversight, expanded official records, and created state-level online reporting infrastructure.
The pattern is clear. Florida is moving toward greater documentation, greater transparency, and greater accountability at every level of community association management.
Each legislative session has built on the last. Associations that treat each new law as a one-time compliance event are finding themselves in a constant catch-up cycle.
The more durable approach is to build operations that are organized and transparent by default, so that when the next round of requirements arrives, the foundation is already in place.
How Does TenantEvaluation Help Florida Associations Stay Organized?
TenantEvaluation is built for the operational reality that Florida CAMs and boards actually face. The platform centralizes the entire resident onboarding process, from application intake and document collection through identity verification, background checks, board review, and approval decisions, with a complete audit trail recorded automatically for every action.
QuickApprove gives boards a structured digital review experience with voting tools and logged decisions built into the workflow. IDVerify+ handles identity verification directly inside the onboarding flow so that documentation is already part of the applicant record before the board opens the file. SafeCheck+ adds deeper background screening for communities that need more detailed applicant history.
Every step from submission to final approval is tracked, stored, and organized without requiring extra effort from the management team. The documentation is not something anyone has to remember to create. It is there because the workflow created it.
For Florida associations navigating a more documentation-focused environment, that kind of infrastructure is not a luxury. It is how consistent operations get built.
Ready to give your CAMs and boards better visibility from day one?
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Frequently Asked Questions
What does Florida HB 913 require from condo associations around documentation?
HB 913 requires Florida condo and cooperative associations to create and maintain online accounts with the state Division of Condominiums, updated annually with current board, inspection, and reserve information. The law expanded the official records list to include individual bank statements, ledgers, and required affidavits. Associations must post new official records to their website within 30 days of creation. Video conference meetings must be recorded and stored as official records for seven years. Consult qualified legal counsel for guidance specific to your community.
Does Florida HB 913 apply to HOAs?
Most provisions of HB 913 apply specifically to condominium and cooperative associations. Some CAM licensing requirements may apply more broadly. HOA boards and managers should review the full bill text and consult a Florida community association attorney to understand what applies to their specific community.
What are the CAM requirements under HB 913?
Under HB 913, all licensed CAMs must maintain an online account with the DBPR identifying their employer, the communities they serve, and relevant service details. Updates must be made within 30 days of any change. CAMs with revoked licenses are barred from owning, working for, or holding any position in a community association management firm for 10 years from the date of revocation.
When did HB 913 take effect in Florida?
Most provisions of HB 913 took effect July 1, 2025. The online account creation requirement for associations had a deadline of October 1, 2025. CAMs must update their DBPR accounts within 30 days of any service or employment change on an ongoing basis.
Why do community associations struggle with documentation?
Most Florida associations have historically managed resident applications and board approvals through email, PDF attachments, and spreadsheets. These tools do not create centralized records, consistent audit trails, or real-time visibility. Documentation is assembled manually after the fact rather than created automatically as part of the process. As HB 913 raises the expectation for organized, accessible records, that gap becomes a real operational problem.
How can CAMs reduce manual documentation work without adding more steps?
A centralized resident onboarding platform eliminates most of the manual steps that create documentation gaps. When applications, document collection, identity verification, background checks, and board approvals all happen inside one system, records are created automatically as part of the workflow. There is no separate step to archive documents, update status trackers, or compile files for board review.
What is a digital approval workflow for HOA and condo boards?
A digital approval workflow gives board members structured access to applicant files, screening results, and supporting documentation through a dedicated board portal. Instead of receiving documents by email and making decisions across separate conversations, boards review everything organized in one view, record their votes with timestamps, and leave a clear audit trail of each decision. The CAM does not have to compile or distribute materials manually before each board review.
Where can I read the official text of Florida HB 913?
The full bill text and legislative history are available on the Florida Senate's official HB 913 page. For questions about how HB 913 applies to your specific association, consult a licensed Florida community association attorney or contact the DBPR directly.