HOA Management in Plantation

Insurance as the top line item. For coastal and near-coastal condo buildings in Broward, master policy premiums, wind, named-storm, flood, general liability, now routinely run 20–30% of the operating budget. Carriers are repricing every renewal, and the spread between quotes on the same building from different brokers can be material. We go to market every renewal through an independent broker with multiple carriers, document any improvements that affect rating (roof age, opening protection, wind-mitigation inspection, access control), and build the real premium trend into the next budget before it lands as a dues-increase surprise. Skipping any of those steps makes the premium look like a random act of god instead of a line item the board can actually steer.

Post-Surfside SIRS on aging condo inventory. Broward has an enormous stock of condominium buildings built in the 1970s, 1980s, and early 1990s, and most of them are now cycling through Florida's milestone inspection framework for the first time. The inspection doesn't just produce a report, it triggers a reserve-study reset, concrete and waterproofing scoping, and frequently a multi-year capital plan that reshapes the dues structure. We run the inspection, the Structural Integrity Reserve Study (SIRS) under Chapter 718.112, and the capital plan as one coordinated workstream, not three parallel ones that produce numbers that don't reconcile.

A wider demographic range than people realize. The Broward market spans single-family HOAs in Jacaranda and Plantation Acres, 55+ condo associations in the interior grid, and mixed-age mid-rises along the Sunrise/Oakland Park corridor. The management work shifts accordingly. A 55+ condo board is often prioritizing insurance and SIRS; a single-family HOA is prioritizing violation enforcement and ARC volume; a mixed-age mid-rise is negotiating short-term rental rules and elevator maintenance. We match staff to that distinction rather than rotating randomly.