By Jan Bergemann

Published September 9, 2022


SB-4D creates huge changes to the way Florida’s condo hi-rises will have to be managed. The provisions of the bill create some requirements that will put great financial burden on the owners of these buildings. And we all know that many families will be unable to pay for seriously increasing maintenance fees and special assessments.


According to various official publications less than 5% of all the buildings that are falling under the law have fully funded reserves (see chart).



That means that the other buildings have their work cut out trying to meet the deadline given to them by the Florida Legislature. The magic date: JANUARY 1, 2025!


But will all these new provisions really be enforced. The Legislature – in its infinite wisdom, pt the enforcement in the hands of the Division of Florida Condominiums, Timeshares, and Mobile Homes, an agency that has proven to be pretty useless.


But the structural repairs need to be done if we don’t want to see another disaster like the collapse of the Champlain Towers South in Surfside that cost the lives of 98 people – and they will cost big bucks. The money has to come from somewhere and banks are not easily willing to hand out loans. Inflation and high interest rates have made things even more costly.


And that leaves many families living in these condo buildings with the question: WHERE WILL ALL THE NEEDED MONEY COME FROM?

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Jan Bergemann

Jan Bergemann is president of Cyber Citizens For Justice, Florida 's largest state-wide property owners' advocacy group. CCFJ works on legislation to help owners living in community  

associations. He moved to Florida in 1995 - hoping to retire. He moved into a HOA, where the developer cheated the homeowners and used the association dues for his own purposes. End of retirement!


CCFJ was born in the year 2000, when some owners met in Tallahassee - finding out that power is only in numbers. Bergemann was a member of Governor Jeb Bush's HOA Task force in 2003/2004.


The organization has two websites to inform interested Florida homeowners and condo owners:

News Website:

Educational Website:

We think that only owners can really represent owners, since all service providers surely have a different interest! We are trying to create owner-friendly laws, but the best laws are useless without enforcement. And enforcement is totally lacking in Florida !

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