[trbleclef]

In Florida, condominium associations (COA) and homeowners associations (HOA) are not legally the same thing, but in discussions like this people often refer to them interchangeably. There is a big difference between an HOA requiring mowed lawns and paint colors and a COA that maintains roofs, pools, playgrounds, common elements, etc. People will refer to Surfside as a reason HOAs are important but the Champlain Towers was a condo.