InsureCheck
The association’s policy facts in one place: per-line limits and deductibles transcribed off the declarations page, the carrier and agency, the term dates and the renewal chain, the replacement-cost determination, and the fidelity bond. InsureCheck records what your policies say and tells you when they lapse — it does not assess your coverage.
Available Every tier
What InsureCheck does
Every coverage line, per term
Property, flood, general liability, D&O, umbrella, crime and the fidelity bond — each with its carrier, agency, policy number, limits, deductibles and term dates, and each labelled with whether ch. 718 requires it or merely permits it.
The renewal chain
Recording a renewal supersedes the prior term rather than overwriting it, so the history of what was carried when stays intact. Expiry is derived from the term dates themselves — never a stored status that can drift out of date.
The appraisal chain, and the question boards get wrong
The § 718.111(11)(a) replacement-cost determination — required at least every three years — recorded with its date and source, beside the policy limit and the date that came from. The page leads with how far apart those two dates are, because the failure mode is that the determination was updated and the policy limit never was. Two figures, two dates, the interval between them: no subtraction, and no opinion.
The fidelity bond
The § 718.111(11)(h) bond for the people who control or disburse association funds — amount, term, and the roles it names. Both the roles covered and the maximum funds figure are recorded as your board’s own attestation, because the statute’s list is open-ended (“includes, but is not limited to”) and the funds figure is a maximum over a period, not a balance on a date.
Renewals on the calendar
Policy terms and the bond term publish to the compliance calendar as dated obligations, so a renewal is a deadline with a date on it rather than something the manager has to remember.
How it works
- A manager types the numbers off the declarations page — the policy PDF itself lives in RecordCheck, where it is already versioned and redaction-gated as an official record.
- The record stands on its own before the PDF arrives, and the missing link is shown as a fact rather than an error, so the numbers actually get entered on the day the agent sends them.
- Terms and the bond appear on the compliance calendar as they approach; recording the renewal supersedes the old term and keeps it in the history.
- When the replacement-cost determination is updated, the page puts it beside the policy limit with both dates — and the board can see for itself whether the two have drifted apart.
Connects to the rest of HelmHOA
HelmHOA modules share one data spine — nothing below is an export or a re-key. With InsureCheck enabled:
- RecordCheck — the policy document itself lives in the vault — InsureCheck links to it and never stores a copy. RecordCheck is required.
- DateCheck — policy and bond terms publish to the calendar; the three-year appraisal clock is the calendar’s own rule.
- StormCheck — storm-season prep carries the policy term date, so the board knows where the term sits when a storm is named.
- LeakCheck — a leak event’s claim record can be linked to the policy term the loss belongs to.
- ReserveCheck — the reserve study cross-links to the insurance valuation by date — the two answer different questions and are never compared.
What Florida law says
Fla. Stat. § 718.111(11) places two insurance duties on a Florida residential condominium association: adequate property insurance, whose replacement-cost value must be determined at least once every three years by an independent appraisal or an update of a previous one (§ 718.111(11)(a)); and fidelity bonding of every person who controls or disburses association funds (§ 718.111(11)(h)). Flood, liability, directors-and-officers and umbrella coverage are permitted rather than mandated (§ 718.111(11)(e)), and ch. 718 sets no windstorm mandate. Insurance policies are enumerated official records under § 718.111(12)(a)8. Law as of 2026-08-22.
Statutory references last reviewed 2026-08-22. Educational guides with full citations live in the Florida Law Hub.
Educational information only — not legal advice. This summarizes Florida law as of the date shown and may be out of date. It is not legal advice and does not create an attorney–client relationship. For advice about your association, consult a licensed Florida attorney or a licensed Community Association Manager.
Pricing
InsureCheck is included in every HelmHOA tier. One flat price per association covers it — nothing is sold separately, and there are no per-seat fees.
Every free 30-day trial is full-package — you can try InsureCheck with your own building’s data before any decision.
Good to know
- InsureCheck records what your policies say. It does not assess your coverage, recommend limits, or tell you whether what you carry is enough — those are coverage opinions, and HelmHOA is not an insurance agency, broker or adjuster. Bring those questions to your agent.
- It performs no arithmetic on money. It puts the policy limit and the replacement-cost determination side by side with the date each came from and how far apart those dates are — never the difference between them. Association policies routinely carry blanket limits across buildings, coinsurance and agreed-value endorsements, none of which this module models, so subtracting one figure from the other would produce a large number that means nothing.
- It holds nothing that could bind coverage or file a claim — no carrier portal credentials, no agent login. HelmHOA never files or handles a claim on your behalf.
- It reads on ch. 718 residential condominiums, which is what § 718.111(11) reaches. A ch. 720 homeowners association has different insurance duties and this module does not speak to them.
- Board members and managers only. Owners, inspectors, maintenance and reception see none of it — though the policy document itself stays readable to owners through RecordCheck, because it is an official record and states its own terms.
- InsureCheck requires RecordCheck: the policies are official records and belong in the vault, so there is nothing to link to without it.