Does PayHOA cover Florida HB 913 and the 2026 milestone-inspection cohort?

The question gets asked in every PayHOA-vs-alternative thread on r/HOA: does PayHOA actually cover Florida's new condo laws? The honest answer is in PayHOA's own public pages — so we read them carefully, with the statute text open in another tab. This post is what we found.

TL;DR

PayHOA maintains a Florida-laws marketing page titled "Hustle Harder Through Florida's New Laws with HOA Software." The page describes the Homeowners Bill of Rights at a journalistic level. It does not cite HB 913, HB 1021, Chapter 718, Chapter 720, §718.111(12), §718.112, §553.899, §720.305, §720.3033, or any other Florida statute section. PayHOA's feature pages — pricing, invoicing, accounting, mass communication, violations — do not mention Florida-specific compliance workflows either.

For a Florida condo board, this means PayHOA's payments and accounting layer is fully operational, but the §718 statutory layer is still on the board.

What the PayHOA Florida-laws page actually says

The page makes five claims that map to provisions in Florida HB 1021:

1. Uniform enforcement — HOAs must enforce rules consistently.
2. Parking protections — HOAs cannot ban parking in driveways or streets where residents have legal rights.
3. Fine notice — written notice required at least 14 days before enforcement, with the violation and fine amount detailed.
4. Director education — newly elected directors must complete training within 90 days.
5. Online posting — governing documents, minutes, financial reports, and budgets must be accessible online.

Each of these is a real obligation. The problem is that PayHOA's page references "the new bill, known as the Homeowners Bill of Rights" without naming HB 1021 — and never references HB 913, which is the bill that actually drives the 2026 milestone-inspection cohort, the structural-integrity-reserve-study (SIRS) line items, and the engineer-of-record discipline that Florida condo boards are scrambling to operationalize this year.

HB 913 — what PayHOA does not address

HB 913 (signed June 23, 2025; effective July 1, 2025) refined four areas of Chapter 718:

• Milestone inspections under §553.899 — the Phase 1 and Phase 2 trigger schedule for buildings of three or more stories, with a refined trigger year based on building age.
• SIRS under §718.112(2)(g) — the credentialing of preparers and the reconciliation between the SIRS component list and the operating budget.
• Engineer-of-record rules — the engineer who performs the milestone inspection has retention obligations and reporting cadences that the board has to track.
• Notice delivery clock — the milestone-inspection summary must reach unit owners and the §718.111(12)(g) statutory website within a specified window after the association receives it.

None of these appear on PayHOA's Florida-laws page. None of them appear in PayHOA's feature set. A condo board running PayHOA in 2026 is responsible for tracking the 2026 cohort, retaining the Phase 1 engineer report, reconciling SIRS to budget, and meeting the delivery clock — by hand, by spreadsheet, by email thread, or by adding a separate compliance tool.

§718.111(12)(c) — the 10-working-day records-request clock

PayHOA offers document storage. The §718.111(12)(c) statute requires a written response to a records request within 10 working days, with §110.117(1) state holidays excluded from the count. A denial must cite the specific statutory exception (attorney-client work product, medical records, personnel files, security-related materials, etc.).

PayHOA does not run this clock, does not generate the statutory response cover letter, and does not surface the denial-reason exemption picker. A board can file the request in PayHOA's document storage; the board still owes the response, the citations, and the cover letter.

§718.111(12)(g) — the statutory website

This is the obligation that HB 1021 hardened with a January 2026 deadline. A condominium association of 25 or more units must maintain an independent website with: the declaration, articles, bylaws, rules, the current and proposed annual budgets, the most recent financial report, the most recent meeting minutes, pending bid summaries, contracts, the Q&A sheet, certification statements, and inspection-report responses. The site requires versioned history, access logs, and a member-only login layer for the protected fields.

PayHOA ships a community website builder. A website builder is not a §718.111(12)(g) statutory disclosure surface. The features that make the §718.111(12)(g) site compliant — versioning, access logs, member-only access for protected documents, the certification-statement layer — are not what PayHOA markets in its website builder.

§720.305(2)(b) — the fining committee

PayHOA has a violations module. It is a national workflow built for HOAs in 50 states. Florida's fining committee rule under §720.305(2)(b) is specific: three or more members, none of whom is an officer, director, employee, or the parent, spouse, child, brother, or sister of any officer, director, or employee. The committee must give the homeowner at least 14 days' notice before the hearing and may only confirm or reject the proposed fine — it cannot impose one independently.

PayHOA does not enforce the composition rule at creation time, does not validate relationships between proposed committee members and existing officers, and does not run the 14-day hearing clock with the affidavit. A Florida board running fines through PayHOA's violations module still has to keep a parallel record demonstrating that the committee was properly composed.

HB 1021 — director education

HB 1021 added §720.3033(1) and amended §718.112(2)(d)4.b. Newly elected or appointed directors must complete a written certification of compliance or an approved educational course within 90 days of election. The course must cover financial literacy, transparency, fines, communications, and record-keeping.

PayHOA's Florida-laws page mentions training is required. PayHOA does not track per-director completion against the 90-day clock. A board can store a certificate PDF in PayHOA's document storage; the clock and the per-director status are still on the board.

What PayHOA actually does well

This post is not an attack on PayHOA. PayHOA is competent at the things it markets:

• Online dues collection — invoicing, autopay, ACH at $2.45 per transaction, credit card at 3.5% + $0.50, lockbox at $2.50.
• General-ledger accounting — full double-entry GL with bank reconciliation, vendor payables, and standard financial reports.
• Mass communication — bulk text, email, and voice broadcast, plus USPS print-and-mail.
• Owner portals — payment history, statements, and the member-facing surface for the dues stack.

For a small association whose primary need is dues collection and accounting, PayHOA is a clean stack. The point of this post is narrower: PayHOA's published Florida-compliance posture does not extend to the §718 statutory layer that Florida condo boards owe under HB 913 and the related statutes.

What a Florida condo board should do

Three options, in honest order:

1. Keep PayHOA, layer a Florida compliance tool on top. PayHOA continues to run dues and accounting. A second tool — HOA Rocket or HOA Cloud, whichever fits — runs the §718 statutory layer: records-request clocks, the §718.111(12)(g) statutory website, the §718.112 board-notice affidavits, the fining-committee charter, HB 913 milestone-inspection records, and the HB 1021 director-training tracker. The two tools do not overlap.

2. Drop PayHOA, run QuickBooks (or a CPA) + a Florida compliance tool. If PayHOA's payment features are unused — your board collects dues by check and your CPA already runs the books — the PayHOA subscription is paying for features you do not exercise. QuickBooks plus a Florida compliance tool costs roughly half.

3. Stay on PayHOA alone. Defensible for an out-of-state HOA. For a Florida condo association in 2026, this leaves the §718 statutory layer — records-request workflows, the §718.111(12)(g) disclosure surface, the §718.112 affidavits, fining-committee composition, milestone-inspection records — as a manual responsibility of the board.

We wrote a longer PayHOA alternative guide for boards that want the decision frame in detail, and a side-by-side comparison with pricing tables and a feature matrix.

Reference material maintained by HOA Rocket. We are a Florida-only condo and HOA compliance platform; the comparison page discloses our position. Statute citations link to flsenate.gov. Last reviewed 2026-05-18.