Answers
Frequently Asked Questions
General answers to the questions owners, residents, buyers, boards and vendors ask most. If yours isn’t here, call 1.800.333.8006.
Please note: These answers are general information. Anything specific to your building is governed by your association’s governing documents and its rules and regulations, and where they differ from anything here, your association’s documents apply.
Living in a Community
Day-to-day questions from owners and residents.
How do I pay my assessment, or see what I owe?
Through the Resident Center, where you can see your balance and payment history and pay online at any time. It is also the quickest way to confirm that a payment has posted.
How do I report a maintenance problem in a common area?
Submit it through the Resident Center or email ResidentSupport@Stalwartmgt.com. Include the exact location and a photo if you can; it helps the right vendor arrive prepared. Repairs inside a unit are generally the owner's responsibility unless the association's documents say otherwise.
How are assessments set, and why do they change?
The board sets assessments from the annual budget, which has to cover operating costs, insurance, reserve contributions and planned maintenance. In Florida, insurance premiums and reserve funding requirements have driven most recent increases, and both are largely outside a board's control.
Can I attend board meetings?
Yes. Owners have the right to attend board meetings, and notice is posted in advance. Most meetings set aside time for owners to speak; the association's rules set how that works.
What happens if I fall behind on assessments?
Associations follow a set process: late notices first, then the steps allowed by the governing documents and Florida law, which can include a payment plan, a lien or referral to the association's attorney. Reaching out early gives you the most options. A payment plan is usually available well before the later steps.
How are rules enforced?
Violations are normally addressed in writing first, with time to correct them. Fines or legal action follow only where the governing documents allow it and the situation calls for it.
Moving In: Renting or Buying
Most associations require every new resident to be approved before moving in, whether renting or buying. Online applications are coming soon; until then, Resident Support will send you the application for your community.
Do I have to apply before I move in?
In most associations, yes. An application must be approved before a lease starts or a sale closes. Moving in before approval can put the owner or seller in violation of the association's documents.
Who has to be screened?
Every adult who will live in the unit, including a spouse or partner who is not on the lease. Occupants under 18 are listed on the application but are not screened and carry no fee.
Buying, Selling, or Refinancing
Common questions and situations that come up when a unit is bought, sold or refinanced.
What is an estoppel certificate, and when is one needed?
It is a signed statement of what a unit owes the association as of a specific date: assessments, special assessments, fines and any other balance. A sale or refinance usually needs one, because it tells the closing agent exactly what must be paid at closing and protects a buyer from inheriting the seller's balance.
How much is an estoppel certificate?
$250.00. Expedited delivery is an additional $100.00 and returns it within three business days. If the account is delinquent, Florida law allows an additional $150.00. That charge is disclosed on the certificate rather than chosen at checkout, since the person requesting it cannot know the account's status in advance.
How long does an estoppel take?
Three to five business days from payment and receipt of everything needed, or within three business days with expedited delivery. The timeline starts at payment, not at submission.
What is the difference between an estoppel certificate and a condominium questionnaire?
An estoppel covers one unit's account: what is owed on it right now. A questionnaire covers the association as a whole: reserves, insurance, litigation, owner-occupancy and delinquency rates. Lenders use the questionnaire to decide whether to lend in the building. Many transactions need both, and each is requested separately.
How much is a condominium questionnaire?
$300.00, with the same $100.00 expedited option for delivery within three business days. A $50.00 document package can be added, with your choice of the association's budget, reserve study, insurance certificate, financial statements, audits, tax returns, bylaws, CC&Rs and structural integrity reserve study; documents are provided where they exist. A lender's own custom form is quoted separately, because the work depends on the form.
Who can request an estoppel or a questionnaire?
The owner, or a title agent, closing agent, lender or attorney working on the sale or refinance. The owner does not have to submit it, but the request needs the unit address and the association's name.
What happens after I pay?
You receive a reference number on screen and in a confirmation email. The request goes into processing at that point, and the completed document is emailed to the address on the request.
In-Unit Maintenance, Repairs, or Renovations
Need to fix something in your unit, or have a contractor or vendor on site to do the work? There are important steps to complete before anyone is allowed to begin.
Do I need approval before work starts?
In most cases, yes. Written approval is required before work begins, including work inside the unit that involves flooring, plumbing, electrical, structural changes, or anything that opens a wall, floor or ceiling. Work started without approval may have to be undone at the owner's expense.
Does it cost anything to request approval?
No. There is no fee to submit an architectural request.
How long does review take?
The committee has up to 10 business days to respond, counted from when the request is complete, not from when it is first submitted. A request still missing a document, a license or a certificate of insurance has not entered review. That is the most common reason an approval seems to take too long.
What insurance does my contractor need?
Commercial general liability and workers' compensation, both active for the whole period of the work. The certificate must name the association as certificate holder, have the ADDL INSD box checked on the general liability line, and list both the association and Stalwart Management as additional insured in the description box. A worked example is published so your contractor's insurance agent can get it right the first time.
My contractor has a workers' compensation exemption. Is that acceptable?
No. An exemption is not accepted in place of coverage. The contractor must carry workers' compensation, and the certificate has to show it.
Can I check on a request I already submitted?
Yes. Enter the reference number and access code you received on the status page to see where the request stands and add anything still outstanding.
For Boards Considering a Management Company
What a management company does, how it supports the board, and what changing companies involves.
What does an association management company actually do?
It acts as the board's agent: financial management and reporting, vendor selection and oversight, maintenance coordination, rule enforcement, resident communication, meeting preparation and records. The board keeps every decision; the management company carries out the work those decisions create.
How does Stalwart support the board?
Meeting preparation, agendas, notices, minutes and electronic voting, so directors spend their time on decisions rather than paperwork. Financial reports arrive on a set schedule rather than on request. Directors are volunteers with day jobs, and good management should reduce their workload, not add to it.
What technology do residents and boards get?
A cloud platform covering accounting, communication, maintenance tracking and online payments, with a resident portal for balances, requests and documents. Boards get financial reporting from the same system, so the board and the residents work from one set of records.
How does changing management companies work?
The handover matters more than the contract. Records, bank accounts, vendor relationships, keys, insurance and open matters all have to move without a gap in service. Stalwart runs it as a scheduled transition with one named point of contact, and walks the board through the specifics before anything changes.
How do we get a proposal?
Book a free consultation with a licensed community association manager, or send the basics of your community through the contact form. A proposal is built on your actual budget, unit count and service needs, so there is no fixed price list.
Vendors and Contractors
Registering, insurance requirements, work orders and invoices.
How do I become an approved vendor?
Register through the Vendor Hub. You will need your license and a certificate of insurance meeting the same requirements that apply to any contractor working in the communities: general liability and workers' compensation, with no exemptions.
Where do I send certificates of insurance?
Email VendorSupport@Stalwartmgt.com, or attach it directly to the request it relates to so it stays with the file.
Who do I contact about a work order or an invoice?
Email VendorSupport@Stalwartmgt.com or call 1.800.333.8006. Have the work order number ready; it is the fastest route to an answer.
Still have a question?
Call us any time, or send a message through the contact form and it will reach the team that can act on it.