MANDATORY STATUTORY NOTICE: Florida Condo Check (floridacondocheck.com) is an independent digital educational publisher. We are not a law firm, do not practice law, and do not provide legal representation. We are not a licensed engineering or architectural entity and do not issue structural certifications. We are not a licensed mortgage lender, broker, or depository institution. Interacting with this website or utilizing our calculation tools does not create an attorney-client, engineer-client, or fiduciary relationship.

1. Notice Regarding the Practice of Law (Florida Bar Rule 10-2.1)

The content on this website—including guides, legislative summaries of Senate Bill 4-D, Senate Bill 154, and House Bill 1021, analysis of Florida Statutes Chapter 718 (the Florida Condominium Act) and Florida Statutes § 553.899, statutory summaries, and dispute procedures—is provided solely for general educational, illustrative, and informational purposes.

Under Rule 10-2.1 of the Rules Regulating The Florida Bar, non-lawyers may not give legal advice or provide legal services. Condominium law in Florida is highly complex, governed by individual recorded condominium declarations, articles of incorporation, bylaws, and frequent legislative amendments. Nothing contained herein should be interpreted as formal legal advice. You must consult a licensed attorney in good standing with The Florida Bar for advice tailored to your specific community, unit parcel, or dispute.

2. Notice Regarding Professional Engineering Practice (FBPE Rule 61G15)

Information regarding Milestone Structural Inspections, Structural Integrity Reserve Studies (SIRS), 30-Year / 40-Year building recertifications, and concrete restoration does not constitute formal engineering evaluations, load calculations, or life-safety assessments.

Under Florida Statutes Chapter 471 and rules promulgated by the Florida Board of Professional Engineers (FBPE) (Florida Administrative Code Rule 61G15), Milestone Inspections and building recertification reports must be performed, signed, and sealed by a Florida-licensed Professional Engineer (PE) or Registered Architect pursuant to Florida Statute § 553.899 and municipal building departments. Our interactive Compliance Checker provides statutory references based on user input and does not replace an on-site physical engineering diagnostic.

3. Notice Regarding Financial Advice, Mortgages & Lending (TILA / CFPB / RESPA)

Florida Condo Check is an independent consumer information portal and is not a mortgage lender, mortgage broker, depository institution, or loan originator licensed under Florida Statute Chapter 494, the Truth in Lending Act (TILA, 15 U.S.C. § 1601 et seq.), or the Real Estate Settlement Procedures Act (RESPA, 12 U.S.C. § 2601 et seq.).

Discussions of commercial association lines of credit, private Home Equity Lines of Credit (HELOCs), and municipal relief programs (such as the Miami-Dade County Condominium Special Assessment Loan Program) are educational overviews. Florida Condo Check does not originate loans, accept loan applications, or underwrite credit. Interest rates, loan amortization periods, and qualification criteria cited on this website are hypothetical examples subject to individual underwriting guidelines.

4. Interactive Calculator Algorithmic Limitations

Our Special Assessment Amortization Calculator provides hypothetical mathematical projections using the standard compound interest amortization formula:

M = P * [ r(1 + r)^n ] / [ (1 + r)^n - 1 ]

Actual association special assessments frequently incorporate unforeseen engineering contingency allowances, construction loan closing points, legal retainer fees, and fluctuating variable-rate interest benchmarks. Florida Condo Check disclaims all liability for discrepancies between our estimated figures and actual assessments levied by condominium boards.

5. Non-Affiliation with Governmental Agencies

Florida Condo Check is an entirely private, independent publisher. We have no affiliation, endorsement, or formal partnership with the Florida Department of Business and Professional Regulation (DBPR), the Miami-Dade County Department of Regulatory and Economic Resources (RER), the Broward County Building Code Services Division, or any municipal building department.

6. Advertising Disclosures & Google AdSense

This website displays commercial advertisements served by Google AdSense and designated sponsored links. Advertisements are clearly designated with the label ADVERTISEMENT or SPONSORED LINKS. Florida Condo Check does not endorse, guarantee, or recommend any third-party engineering firm, legal practitioner, or financial institution advertised on this platform.

7. Absolute Limitation of Liability

To the fullest extent permitted by applicable Florida law, Florida Condo Check, its contributors, authors, and operators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages resulting from your use of or reliance upon the informational materials, statutory checklists, or calculation tools provided on this website.