The association shares basic community details and what it needs the rating to support.
FCCAFlorida Communities Certification AssociationFCCA
The rating process
A cleaner path from records to rating.
FCCA reviews the completed association record, applies consistent analysis, and uses an experienced Rating Committee to issue the appropriate result within the Gold, Silver, Bronze, and Unrated framework.
Rating Committee
Expert review is the point.
The Rating Committee is composed of experts with experience in finance, insurance, engineering, governance, and association management. They evaluate the record, challenge assumptions, and apply their expertise before a rating is awarded.
FCCA confirms the documents needed for a complete, reviewable association record.
Financials, reserves, insurance, governance, safety, and compliance materials are analyzed together.
Experienced reviewers challenge the record, weigh strengths and risks, and apply consistent criteria.
The committee determines the appropriate result within the Gold, Silver, Bronze, and Unrated framework.
The association receives the outcome, the reasoning, and the practical priorities to monitor or improve.
Committee caliber
- Senior finance, insurance, engineering, governance, and association-management experience.
- Committee review separates source records, analysis, and expert review.
- Potential conflicts are disclosed before deliberation.
- Every result is designed to be consistent, reviewable, and market-ready.
Data needed
FCCA starts with the records that reveal association health.
The review is strongest when the association submits current, organized records and short explanations only where context matters.
Association Profile
- Community name, location, unit count, age, and management structure.
- Board or management contact for follow-up questions.
Financials & Reserves
- Budgets, financial statements, reserve schedules, assessments, and reserve studies.
- Current year plus recent history where available.
Insurance, Safety & Engineering
- Insurance declarations, loss history, milestone inspections, SIRS, and life-safety records.
- Active projects, open items, and planned capital work.
Governance & Compliance
- Governing documents, minutes, disclosures, vendor contracts, legal matters, and regulatory correspondence.
- Context for any unusual event that changes how the record should be read.
Cost and timing
The scope is set before the review begins.
Cost depends on the community and the record. FCCA confirms the price, timing, and document request before moving into the rating review.
Cost Is Confirmed Up Front
- FCCA prices the review after understanding community size, record volume, and scope.
- The association sees the fee before the rating review begins.
Completeness Drives Timing
- Organized records move faster.
- Follow-up questions, missing documents, or unusual issues can extend the schedule.
Scope Stays Clear
- FCCA is reviewing association strength, not replacing legal, financial, engineering, or inspection advice.
- The final result is a rating and a concise explanation of what drove it.
What the association receives
The final result is concise by design.
The rating package leads with the outcome, then explains the strengths, improvement priorities, reserve context, and documents behind it.
Rating Category
Rating Score Summary
Demonstrated Strengths
Recommendations for Improvement
Reserve Balance and Special Assessment Context
Key Documents Referenced
Contact FCCA
Ready to start with FCCA?
Share the association name, location, role, and what you need the rating to support. FCCA can then confirm the right document request, cost, and next step.
