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Homeowner vs. Association Responsibilities

Homeowner Responsibilities

Florida State Statute 718 states that Unit owners are responsible for the cost of reconstruction of any portions of the condominium property for which the unit owner is required to carry property insurance, or for which the unit owner is responsible under paragraph.  The items include, but are not limited to:

  • Kitchen Appliances
  • Plumbing outside of the wall/floor of the unit
  • HVAC
  • Painting
  • Furniture
  • Flooring
  • Door locks

As a rule of thumb, the homeowner is responsible for the “drywall out”, meaning that from the paint on the walls to the furnishings and items within the unit, the owner has responsibility.



Association Responsibilities

Conversely, the Association is typically responsible for the maintenance and general condition of the common areas of the building.  Additionally, the Association is responsible for the “drywall in” between condo units, as well as the painting of the building exterior and unit balconies.  Grand Panama Association responsibilities include:

  • Common elements of the condominium, which includes, but is not limited to:
    • Elevators
    • Swimming Pools
    • Exterior Walkways
    • Parking Facilities
    • Fire Suppression System
  • Walls between units (drywall in), which includes, but is not limited to:
    • Plumbing components within the walls
    • Electrical components within the walls
    • Any other cables or wiring ran within the walls
  • Exterior condition of the building
  • Balcony painting and railings
  • Unit doors

Please remember that, in the case of an emergency, the cost of any such reconstruction work undertaken by the association is chargeable to the unit owner.  This means that any efforts made by the association to mitigate damage within a unit is chargeable to the unit owner.  If you have any questions concerning these responsibilities, please email