Florida community associations, including condominium associations, homeowners associations, and cooperatives, have significant legal and operational responsibilities when preparing for, responding to, and recovering from hurricanes. Boards of directors and community association managers (CAMs) must understand their statutory authority and exercise sound judgment to protect association property, residents, and operations.
With the start of the Atlantic hurricane season, associations should review and update their hurricane preparedness plans well in advance of any tropical weather threat.
Hurricane Preparedness Plan Requirements
Every community association should maintain a comprehensive, written hurricane preparedness plan that is reviewed and updated annually. The plan should be tailored to the community and should be accessible to board members, management, and key vendors.
Associations should carefully draft hurricane preparedness plans to avoid creating unrealistic expectations regarding resident safety, emergency response, or property protection. Plans should clearly communicate the association’s role and remind residents that they remain responsible for their own safety and personal property.
At a minimum, a hurricane preparedness plan should include:
Hurricane Plan Contents
- Contact information for the board of directors and critical vendors, including legal counsel, landscapers, insurance agents, elevator vendors, and generator service providers
- Site map identifying shut-off valves for gas, water, and sprinkler systems
- Insurance claim forms and carrier contact information
- Emergency powers and evacuation resolutions adopted by the board
- Copies of all relevant contracts, vendor agreements, and insurance policies
- Pre-storm photographs of buildings, trees, pumps, and common areas updated annually
- Local emergency management contacts and resources
- Documentation of association-owned property with photographs
Hurricane Emergency Checklist
- Lift electronics and sensitive equipment off floors in common areas and offices
- Deploy sandbags at low-lying or vulnerable entry points
- Test generators and confirm fuel supply
- Label all electric and water shut-off locations
- Coordinate with elevator vendor regarding pre-storm shutdown procedures
- Distribute hurricane preparedness instructions to residents
- Post evacuation routes and shelter locations
- Prepare hurricane supply kits, including a first-aid kit, flashlights, batteries, candles, a lighter, and a portable radio
Owners are responsible for their personal safety, evacuation decisions, and property. Associations should avoid making representations regarding resident safety or property protection that may not be feasible during emergency conditions.
Pre-Storm Preparation Checklist
The period before a hurricane is the most critical time for preparation.
- Secure licensed vendors in advance, preferably with negotiated rates and clear contract terms. Consult legal counsel regarding vendor agreements and consider reserving the right to audit invoices and supporting documentation.
- Confirm vendor roles and expectations under the disaster preparedness plan.
- Meet with the association’s insurance agent before hurricane season to confirm claims procedures and review coverage limits, deductibles, and documentation requirements.
- File a Right of Entry form with the county if your community has restricted access.
- Ensure maintenance staff knows the location of shut-offs, emergency supplies, and tools, and understands response procedures for water, fire, and flood events.
- Review emergency powers related to evacuation, board meetings, and emergency borrowing.
- Conduct a financial review to ensure sufficient funds are available for insurance deductibles and immediate post-storm expenses and identify lines of credit that can be accessed if necessary.
- Establish a timeline for tasks to be completed 72 hours, 48 hours, and 24 hours before anticipated landfall.
Hurricane Communication Planning
Effective communication is essential to protecting lives and property before, during, and after a storm.
- Communicate the approved hurricane plan to residents
- Establish an onsite command center or information distribution site
- Post evacuation routes, fire escape routes, shelter information, and emergency contact information in common areas
- Use multiple communication channels, including email, phone, text, and radio
- Identify key community contacts, including CAMs, maintenance supervisors, and board leadership
- Communicate early and frequently with residents and vendors as a storm approaches
- Coordinate with legal counsel, property managers, county and state emergency management agencies, and the Federal Emergency Management Agency (FEMA)
FEMA Right of Entry Requirements
FEMA requires gated or restricted-access communities to have a current Right of Entry (ROE) form on file with the applicable county before damage assessments, debris removal, or recovery operations occur. Associations should verify ROE compliance before hurricane season begins.
Testing a Hurricane Preparedness Plan
The best way to determine whether a plan will function effectively during an emergency is to test it. Review procedures with key personnel, verbally walk through the plan, and practice drills and hold debriefing sessions after exercises or actual storm events to verify areas for improvement.
Emergency Powers During a Hurricane Under Florida Law
Once the governor declares a state of emergency, Florida law grants community associations broad emergency powers under Florida Statutes Section 718.1265, Section 719.128, and Section 720.316.
These powers remain available based on the circumstances affecting the community and are not necessarily tied to the duration of the state of emergency declaration.
General Emergency Powers Include:
- Conduct board and membership meetings with notice that is practicable under the circumstances
- Relocate the association’s principal office or records
- Implement the disaster preparedness plan
- Turn utilities, elevators, security systems, and other infrastructure on or off as necessary
- Borrow funds or levy special assessment without an owner vote
- Determine which portions of the property are unsafe or unavailable for occupancy based on professional guidance
However, associations generally may not prohibit owners from accessing their property:
- In connection with a sale, lease, or transfer of title
- For habitability purposes unless a governmental order declares the property unsafe
Post-Hurricane Responsibilities
Immediately after the storm, associations should:
- Assess damage to common elements and association property
- Thoroughly document all damage with photographs and video before cleanup begins
- Secure the property to prevent further damage or unauthorized access
- File insurance claims promptly with all carriers
Associations should avoid rushing into remediation, repair, or public adjuster contracts. Even in emergency circumstances, legal and professional review can help prevent costly disputes and unfavorable contract terms.
Hurricane Preparedness Is a Legal Responsibility
Hurricane preparedness is both a legal obligation and a critical operational responsibility. Associations that proactively develop, maintain, and test their plans will be better positioned to protect residents, minimize damage, and accelerate recovery.
If you need assistance reviewing or drafting a hurricane preparedness plan, emergency resolution, or vendor agreement, contact Varnum’s Condominium and Homeowners Association Law Practice Team.
This advisory was originally published in June 2022.



