1200 Park Central Blvd. South, Pompano Beach, FL 33064
9121 North Military Trail, Suite 200, Palm Beach Gardens, FL 33410
855 E SR 434., Suite 2209, Winter Springs (Orlando area), FL 32708
1211 North Westshore Blvd., Suite 409 Tampa, FL 33607
Offices in Miami-Dade (by appointment)
Reach any office: 800.974.0680

1200 Park Central Blvd. S., Pompano Bch, FL 33064
9121 N. Military Trail, Ste. 200, Palm Bch Gdns, FL 33410
855 E SR 434., Suite 2209, Winter Springs (Orlando area), FL 32708
1211 N. Westshore Blvd., Ste. 409, Tampa, FL 33607
Offices in Miami-Dade (by appointment)
Reach any office: 800.974.0680

Importance of Having Strong Financial Controls and Policies

Rembaum’s Association Roundup | Jeffrey A. Rembaum, Esq., BCS | Visit HERE

Importance of Having Strong Financial Controls and Policies

Florida’s community associations operate as complex financial and administrative organizations responsible for managing significant budgets, often in the millions of dollars; maintaining shared property; and protecting the financial interests of the owners. With this responsibility comes a board’s fiduciary duty to ensure that financial operations are transparent, accountable, and safeguarded against misuse. In today’s environment where associations face rising costs, increased owner scrutiny, and growing exposure to fraud risks, the need for strong financial policies and controls has never been more important. These four tools form the foundation of responsible financial governance:

i.   A fraud response plan
ii.  A refundable deposit return policy
iii. A conservative reserve investment policy
iv. 
Internal control procedures that guide how the association handles money, assets, and decision-making.

These tools are not merely administrative “housekeeping” items; they are essential safeguards that protect the association’s finances, support the board’s fiduciary obligations, and reinforce trust within the community.

Read the full article HERE

HUD’s Withdrawal of Emotional Support Animal Guidance

Rembaum’s Association Roundup | Jeffrey A. Rembaum, Esq., BCS | Visit HERE

HUD’s Withdrawal of Emotional Support Animal Guidance

For years condominium and homeowners’ associations confronting requests for emotional support animals (ESAs) operated under a relatively well-defined framework established by the U.S. Department of Housing and Urban Development (HUD). The agency’s 2020 guidance, Assessing a Person’s Request to Have an Animal as a Reasonable Accommodation Under the Fair Housing Act, became the primary roadmap for evaluating ESA requests and was frequently cited by attorneys, housing providers, administrative agencies, and courts.

That landscape changed dramatically in May 2026 when HUD’s Office of Fair Housing and Equal Opportunity (FHEO) formally withdrew the 2020 guidance and announced a significant shift in enforcement priorities. At roughly the same time, HUD withdrew numerous prior guidance documents and advisory materials, explaining that guidance documents should not be treated as binding law and should not impose compliance obligations beyond those found in statutes, regulations, and binding judicial precedent.

Read the full article HERE

Understanding Responsibility for Hurricane Protection Removal and Reinstallation Under Florida’s Condominium Act

Rembaum’s Association Roundup | Jeffrey A. Rembaum, Esq., BCS | Visit HERE

Understanding Responsibility for Hurricane Protection Removal and Reinstallation Under Florida’s Condominium Act

As I write this, Florida’s hurricane season is only a few days away. Not too long ago the Florida legislature amended Section 718.113(5)(d) of the Florida Statutes, and the change has significant financial implications for condominium associations and unit owners. This statute now directly addresses who must pay for the removal and reinstallation of hurricane protection such as shutters, impact windows, doors, and similar systems when that removal is necessary for the association to perform work on the common elements. This article addresses both who pays for the removal and reinstallation and who performs the work to do so.

The relevant statute provides that unless the declaration of condominium expressly provides otherwise, a unit owner is not responsible for the cost of removing or reinstalling hurricane protection when the association must temporarily remove it to complete maintenance, repair, or replacement of condominium property for which the association is responsible. This means that the default rule under the amended statute is that the association bears the cost of removal and reinstallation of hurricane protection. This could be a major shift for many communities, especially those with older declarations that never contemplated modern hurricane protection systems. Removal and reinstallation can be very expensive, particularly for impact-rated shutters and windows, and the cost can multiply quickly during large-scale projects such as concrete restoration, painting, balcony work, or window replacement.

Read the full article HERE

Funding Construction Projects- Loans, Assessments and Reserves | June 16, 2026

*Read Before Viewing* | This recorded video WILL NOT satisfy Florida state certification requirements for Board Members, NOR will this recorded version offer CEUs for CAMS or Board Members. It is for informational purposes only and is not to be considered as legal advice. Should you have any questions, contact your association counsel.

Course led by attorney Peter C. Mollengarden, Esq. BCS. | Recorded June 16, 2026
 

Learn about the process of funding construction projects. The primary focus of the program is to review with attendees the different sources of funds that may be available to address construction projects and the procedures to be followed to properly utilize those sources of funds. Attendees will learn tips to avoid pitfalls when planning for large projects.

Age-Based Restrictions – Regulating the Use of Recreational Facilities by Children

Rembaum’s Association Roundup | Jeffrey A. Rembaum, Esq., BCS | Visit HERE

Age-Based Restrictions – Regulating the Use of Recreational Facilities by Children

The Fair Housing Act, Title VIII of the Civil Rights Act of 1968 (which has been amended and expanded over the years), prohibits discrimination in housing on the basis of race, color, national origin, religion, sex, familial status, and disability. There are also various state and local regulations that address housing discrimination. While most community associations are aware of and avoid discriminatory housing practices for most protected classes, some community associations struggle with balancing how to steer clear of discrimination on the basis of “familial status” while still addressing common concerns and issues that children can create in a community. The first part of this article addresses communities that are NOT Housing for Older Persons (meaning not 55 and older) communities while 55 years of age and older communities are addressed toward the end.

Discrimination on the basis of “familial status” includes discrimination against children under the age of 18 living with parents or legal custodians, pregnant women, and people securing custody of children under the age of 18. In addition to prohibiting familial status discrimination as to occupancy of a dwelling, the Fair Housing Act’s familial status discrimination prohibition extends to the use of the association’s recreational facilities, including for example, the community clubhouse, swimming pool, hot tub, and fitness center.

Read the full article HERE

Guest Restrictions and Screening Tenants and New Owners | May 29, 2026

*Read Before Viewing* | This recorded video WILL NOT satisfy Florida state certification requirements for Board Members, NOR will this recorded version offer CEUs for CAMS or Board Members. It is for informational purposes only and is not to be considered as legal advice. Should you have any questions, contact your association counsel.

Course led by attorney Emily E. Gannon, Esq.
 

This webinar addresses the authority to review and approve tenants and owners, including issues related to transfer fees/security deposits, potential “good cause” to deny an applicant, restricting guest occupancy, and common pitfalls in the “screening” process.

Important Emotional Support Animal (“ESA”) Update

HUD Issues New Internal Memorandum Potentially Eliminating Federal Enforcement of ESA Claims Under the Federal Fair Housing Act

Written by Andrew B. Black, Esq. BCS, Kaye Bender Rembaum, P.L.

On May 22, 2026, the U.S. Department of Housing and Urban Development (“HUD”), through its Office of Fair Housing and Equal Opportunity (“FHEO”), issued an internal Memo entitled: “Enforcement Guidance – Assessing Requests for the Use of an Animal as a Reasonable Accommodation Under the Fair Housing Act”.  This Memo can be read by clicking HERE.

This Memo indicates a significant shift in the manner HUD will consider complaints regarding the ability of individuals to keep an ESA in community associations that restrict or prohibit pets. The Memo indicates the intent to apply the same standards for Housing issues as are currently reflected in the Americans with Disabilities Act (“ADA”), which do not include a category for ESAs. The Memo clarifies that HUD will use the training component of the ADA definition for service animals to evaluate animal-related reasonable accommodation complaints under the Federal Fair Housing Act.

Importantly, for housing discrimination complaints concerning animal-related reasonable accommodations, HUD will now only recommend charges for those cases involving animals specifically trained to provide physical disability-related assistance rather than emotional related issues.  This is an important change for community associations, as HUD is shifting its focus to only enforcing discrimination claims for trained service animals, not ESAs.

As a reminder, a “service animal” is legally distinct from an ESA.   As confirmed in the Memo, under the ADA, a service animal “…is individually trained to do work or perform tasks for the benefit of an individual with a disability, including a physical, sensory, psychiatric, intellectual, or other mental disability…”, and the tasks performed by the animal must be directly related to the disability.  As outlined in the Memo:  “[c]ommon examples of disability-related tasks include assisting individuals who are blind or have low vision with navigation, alerting individuals who are deaf or hard of hearing to the presence of people or sounds, assisting an individual during a seizure, retrieving items, providing physical support and assistance with balance and stability,  and helping persons with psychiatric and neurological disabilities”.

Unlike a service animal, an ESA does not require any specialized training, and Courts (and HUD) often recognized an ESA as a potential reasonable accommodation, requiring community associations to approve an ESA if a qualified 3rd party professional confirmed that the person has a disability that impacts a major life activity, and that the animal provided emotional support to alleviate a symptom of the disability.  As referenced in the Memo, this broad ability to maintain an ESA has led to claims of abuse and “…an entire industry has emerged to convert pets into emotional support animals…”.

Based on these ESA issues, HUD is altering its internal enforcement priorities, effective on the date of publication. However, a HUD Memo is not a new federal law, but rather an indication as to how HUD interprets existing federal law. It is currently unclear how Courts will enforce Fair Housing claims if a civil lawsuit is brought. Notably, individuals claiming relief for ESAs can still file a private civil cause of action regarding housing discrimination/ESA issues. Further, it is currently unclear how local County Fair Housing agencies will modify their own internal procedures when a discrimination complaint is made (although the likely result will be compliance with the HUD directives).

Therefore, as this is an evolving situation, it remains recommended that Boards consult with its legal counsel anytime a reasonable accommodation request is made, including ESA requests. It is still important to evaluate accommodation requests on a case-by-case basis, engage in an objective and good faith interactive process with the requesting party, and to carefully review any submitted documentation to support a disability-related request of a resident.

We continue to closely monitor future developments on this issue. If you have immediate concerns, contact your association counsel.

Association Leadership: S7, E6 | Legislative Update and Community Association Q&A

Castle Group hosts Season 7, Episode 6 of Association Leadership: Q&A, Legislative Update and More

The webinar was moderated by Craig Vaughan, Castle Group, and includes  Jeff Rembaum, Esq. BCS and Alan Schwartzseid, Esq. BCS  of Kaye Bender Rembaum.

Note: Viewing this video will not satisfy any Florida State requirement for CAMs or Board Members. This is strictly informational and for review.

Audio and Video Recording in Community Associations

Rembaum’s Association Roundup | Jeffrey A. Rembaum, Esq., BCS | Visit HERE

Audio and Video Recording in Community Associations

Community associations increasingly rely on surveillance technology to enhance safety and protect property. Cameras with imbedded microphones are everywhere these days. As systems become more sophisticated, many boards are considering or are already using audio-enabled cameras in common areas. However, in Florida, recording spoken conversations raises significant legal considerations. This is especially true in areas where a reasonable person would think their conversations are private. Associations must navigate stringent consent laws, privacy expectations, and specific notification requirements to remain compliant and avoid liability. This article summarizes Florida’s legal framework governing audio recordings and outlines best practices for boards seeking to implement or update their surveillance programs.

Florida is a two-party consent state, meaning that all parties to a private conversation must consent before they can legally be recorded. This rule applies to in-person, telephone, and electronic communications. Florida Statute §934.03(1)(d) is explicit and specifically states: “It is lawful…for a person to intercept a wire, oral, or electronic communication when all of the parties to the communication have given prior consent.” Because audio recording captures oral communication, compliance with this statute is essential. Failure to obtain proper consent can expose the association to civil and criminal liability…

Read the full article HERE

Beauty Is in the Eye of the Beholder, or Is It?

Rembaum’s Association Roundup | Jeffrey A. Rembaum, Esq., BCS | Visit HERE

Legal Considerations in Association Landscaping Decisions

It is often said that beauty is in the eye of the beholder, and nowhere is this more evident than in the realm of community landscaping. Among the many benefits of residing within a community association is the expectation of consistently maintained and harmonious landscaping throughout the property. But, when does a change in common area/element landscaping become a material alteration requiring a vote of the membership?

As a general rule for a Florida condominium association, pursuant to §718.113 Fla. Stat., material alterations or substantial additions to condominium common elements require approval by 75 percent of total voting interests unless the declaration of condominium dictates a different procedure. But, as applied to a Florida homeowners’ association, the outcome is diametrically opposed because material alteration decisions are left to the board unless otherwise required by the governing documents.

Read the full article HERE