GOLD COAST CAM CORE EXAMS SHEET 2025/2026
QUESTIONS WITH ANSWERS RATED A+
✔✔A member of a condominium is responsible for the costs of repair or reconstruction
of the condominium property if insurance does not cover the costs and the damage was
caused by which of the following?
a. The member's unintentional conduct
b. Negligence of the association
c. Failure of the member to comply with the terms of the articles of incorporation
d. Intentional conduct by the member's guest - ✔✔d. Intentional conduct by the
member's guest
✔✔Which statement is CORRECT about an individual condominium in a multi-
condominium complex that has not consolidated its financial operations?
a. It must participate in the multi-condominium insurance policy.
b. It may opt out of the multi-condominium insurance policy and purchase its own policy.
c. It may opt out of the multi-condominium insurance policy and purchase its own policy,
by a vote of a majority TVI.
d. It may opt out of the multi-condominium insurance policy and purchase its own policy,
by a vote of 2/3rds TVI. - ✔✔c. It may opt out of the multi-condominium insurance policy
and purchase its own policy, by a vote of a majority TVI.
✔✔According to the Condominium Act, in what period is the association required to
provide a certificate of insurance to a member?
a. 15 days
b. 30 days
c. 10 working days
d. 7 working days - ✔✔a. 15 days
✔✔A timeshare managing entity must use due diligence to obtain which of the
following?
a. Property insurance that will be charged separately to the timeshare members
b. Casualty insurance, as a common expense, to protect the timeshare property against
all reasonably foreseeable perils
c. All insurance as may be required by F.S. 718
d. The managing entity is not required to obtain insurance for the timeshare property -
✔✔b. Casualty insurance, as a common expense, to protect the timeshare property
against all reasonably foreseeable perils
✔✔Which statement is CORRECT about the Homeowner Claims Bill of Rights?
,a. It is required to be provided to residential property policyholders by the insurer within
21 days after receiving an initial communication with respect to a claim.
b. It is a summary of existing Florida laws in simple, non-technical terms, regarding the
rights of a personal lines residential property insurance policyholder who files a claim of
loss.
c. It can serve as the basis for a civil cause of action by any individual policyholder
against an insurer.
d. It includes all of a policyholder's rights under Florida law - ✔✔b. It is a summary of
existing Florida laws in simple, non-technical terms, regarding the rights of a personal
lines residential property insurance policyholder who files a claim of loss.
✔✔Which state agency has primary responsibility for regulation, compliance, and
enforcement of insurance related Florida statutes?
a. Department of Insurance (DOI)
b. Office of Insurance Regulation (OIR)
c. Division of Insurance Code Enforcement (DICE)
d. Bureau of Insurance Compliance (BIC) - ✔✔b. Office of Insurance Regulation (OIR)
✔✔A claim for extensive mold mitigation and repairs on a perimeter wall of unit 1121
was recently denied by the condominium's insurance carrier. The declaration identifies
the perimeter walls as association property. The owners, who reside in the unit, were
aware of the problem, but did not report it to the association. According to F.S. 718, who
is responsible for paying for the repairs?
........ - ✔✔CONTINUE...
✔✔a. Since the unit's perimeter walls belong to the association, the repair costs must
be borne by the association.
b. The owners of unit 1121 reside in their unit and should have reported the mold to the
association before it became an extensive problem. Therefore, the owners are
responsible for the costs of the repairs.
c. The association and the owners are both responsible and should split the cost of
mitigation and repairs.
d. The owners should file a claim with their insurer. Any deductible should be split
between the owners and the association - ✔✔b. The owners of unit 1121 reside in their
unit and should have reported the mold to the association before it became an
extensive problem. Therefore, the owners are responsible for the costs of the repairs.
✔✔Which statement best defines maintenance?
a. Activities required by statute, that when done properly, will prevent equipment
breakdowns
b. Activities required to be performed by licensed personnel, to maintain a building and
its equipment in good working condition
,c. Activities required to maintain buildings, grounds, and equipment so that they may be
continuously used, at their original or designed capacity and efficiency, for their
intended purpose
d. The activities that are paid for by the association's maintenance fees - ✔✔c. Activities
required to maintain buildings, grounds, and equipment so that they may be
continuously used, at their original or designed capacity and efficiency, for their
intended purpose
✔✔Rivières Vertes Condominium Association, a 20-story building, has a swimming pool
and tennis courts on the roof. These amenities are only for the use of the penthouse
members. Who pays for maintaining these amenities?
a. The association documents may require that the penthouse members pay for the cost
of these amenities.
b. The Condominium Act requires the association to budget for maintenance of these
items as a common expense of all members.
c. Annually, the members should vote on who will pay to maintain these amenities.
d. Associations must, by statute, allow all members to use all common elements, unless
an element can only be accessed from a specific member's unit - ✔✔a. The association
documents may require that the penthouse members pay for the cost of these
amenities.
✔✔Which of the following is NOT a type of maintenance?
a. Preventative
b. Optional
c. Emergency
d. Corrective - ✔✔b. Optional
✔✔In a condominium association, who is normally responsible for repairing a leak in a
member's toilet?
a. The association
b. The member
c. Whomever the documents deem responsible
d. Roto Rooter - ✔✔c. Whomever the documents deem responsible
✔✔What does a building maintenance and replacement report provide?
a. A detailed replacement schedule for all common elements, limited common elements
and unit property in an association
b. A detailed report, under the seal of an architect or engineer, of the maintenance and
replacement costs of common elements in a condominium
c. A detailed report, under the seal of an architect or engineer, of the maintenance and
replacement of common elements in an HOA
, d. A detailed replacement schedule for all common elements, limited common elements,
and unit property in a condominium - ✔✔b. A detailed report, under the seal of an
architect or engineer, of the maintenance and replacement costs of common elements
in a condominium
✔✔What is an example of an emergency?
a. A vehicle running through and breaking a security gate
b. An accidental poisoning of association members caused by eating cookies made by
the president's wife at a board meeting
c. Muscovy ducks flying directly over the association's pool
d. The loss of electricity for five minutes - ✔✔b. An accidental poisoning of association
members caused by eating cookies made by the president's wife at a board meeting
✔✔Florida statutes that apply to pools and spas operated by community associations
regulate all of the following, EXCEPT:
a. Safety of assistance animals authorized to be in the pool area
b. Construction standards
c. The bacteriological, chemical, and physical quality of the water
d. Lifesaving equipment - ✔✔a. Safety of assistance animals authorized to be in the
pool area
✔✔All of the following information is required to be included on a sign posted at the pool
in one-inch-high lettering, EXCEPT:
a. The hours of operation
b. The hours during which service animals may use the pool
c. A warning not to swallow pool water
d. The banning of food and drink - ✔✔b. The hours during which service animals may
use the pool
✔✔Which of the following is NOT true about public swimming pools?
a. Local county public health units and the FDOH regulate public swimming pools and
bathing places.
b. A pool that serves no more than 32 condominium or cooperative units and prohibits
the rental or sublease of units for periods of less than 60 days must obtain an initial
operating permit from the FDOH.
c. A pool that serves no more than 32 condominium or cooperative units that are not
operated as a public lodging establishment is exempt from all supervision by the FDOH.
d. The federal Virginia Graeme Baker Pool and Spa Safety Act requires that each public
swimming pool and spa drain cover or grate be equipped with an anti-entrapment
system or device - ✔✔c. A pool that serves no more than 32 condominium or
QUESTIONS WITH ANSWERS RATED A+
✔✔A member of a condominium is responsible for the costs of repair or reconstruction
of the condominium property if insurance does not cover the costs and the damage was
caused by which of the following?
a. The member's unintentional conduct
b. Negligence of the association
c. Failure of the member to comply with the terms of the articles of incorporation
d. Intentional conduct by the member's guest - ✔✔d. Intentional conduct by the
member's guest
✔✔Which statement is CORRECT about an individual condominium in a multi-
condominium complex that has not consolidated its financial operations?
a. It must participate in the multi-condominium insurance policy.
b. It may opt out of the multi-condominium insurance policy and purchase its own policy.
c. It may opt out of the multi-condominium insurance policy and purchase its own policy,
by a vote of a majority TVI.
d. It may opt out of the multi-condominium insurance policy and purchase its own policy,
by a vote of 2/3rds TVI. - ✔✔c. It may opt out of the multi-condominium insurance policy
and purchase its own policy, by a vote of a majority TVI.
✔✔According to the Condominium Act, in what period is the association required to
provide a certificate of insurance to a member?
a. 15 days
b. 30 days
c. 10 working days
d. 7 working days - ✔✔a. 15 days
✔✔A timeshare managing entity must use due diligence to obtain which of the
following?
a. Property insurance that will be charged separately to the timeshare members
b. Casualty insurance, as a common expense, to protect the timeshare property against
all reasonably foreseeable perils
c. All insurance as may be required by F.S. 718
d. The managing entity is not required to obtain insurance for the timeshare property -
✔✔b. Casualty insurance, as a common expense, to protect the timeshare property
against all reasonably foreseeable perils
✔✔Which statement is CORRECT about the Homeowner Claims Bill of Rights?
,a. It is required to be provided to residential property policyholders by the insurer within
21 days after receiving an initial communication with respect to a claim.
b. It is a summary of existing Florida laws in simple, non-technical terms, regarding the
rights of a personal lines residential property insurance policyholder who files a claim of
loss.
c. It can serve as the basis for a civil cause of action by any individual policyholder
against an insurer.
d. It includes all of a policyholder's rights under Florida law - ✔✔b. It is a summary of
existing Florida laws in simple, non-technical terms, regarding the rights of a personal
lines residential property insurance policyholder who files a claim of loss.
✔✔Which state agency has primary responsibility for regulation, compliance, and
enforcement of insurance related Florida statutes?
a. Department of Insurance (DOI)
b. Office of Insurance Regulation (OIR)
c. Division of Insurance Code Enforcement (DICE)
d. Bureau of Insurance Compliance (BIC) - ✔✔b. Office of Insurance Regulation (OIR)
✔✔A claim for extensive mold mitigation and repairs on a perimeter wall of unit 1121
was recently denied by the condominium's insurance carrier. The declaration identifies
the perimeter walls as association property. The owners, who reside in the unit, were
aware of the problem, but did not report it to the association. According to F.S. 718, who
is responsible for paying for the repairs?
........ - ✔✔CONTINUE...
✔✔a. Since the unit's perimeter walls belong to the association, the repair costs must
be borne by the association.
b. The owners of unit 1121 reside in their unit and should have reported the mold to the
association before it became an extensive problem. Therefore, the owners are
responsible for the costs of the repairs.
c. The association and the owners are both responsible and should split the cost of
mitigation and repairs.
d. The owners should file a claim with their insurer. Any deductible should be split
between the owners and the association - ✔✔b. The owners of unit 1121 reside in their
unit and should have reported the mold to the association before it became an
extensive problem. Therefore, the owners are responsible for the costs of the repairs.
✔✔Which statement best defines maintenance?
a. Activities required by statute, that when done properly, will prevent equipment
breakdowns
b. Activities required to be performed by licensed personnel, to maintain a building and
its equipment in good working condition
,c. Activities required to maintain buildings, grounds, and equipment so that they may be
continuously used, at their original or designed capacity and efficiency, for their
intended purpose
d. The activities that are paid for by the association's maintenance fees - ✔✔c. Activities
required to maintain buildings, grounds, and equipment so that they may be
continuously used, at their original or designed capacity and efficiency, for their
intended purpose
✔✔Rivières Vertes Condominium Association, a 20-story building, has a swimming pool
and tennis courts on the roof. These amenities are only for the use of the penthouse
members. Who pays for maintaining these amenities?
a. The association documents may require that the penthouse members pay for the cost
of these amenities.
b. The Condominium Act requires the association to budget for maintenance of these
items as a common expense of all members.
c. Annually, the members should vote on who will pay to maintain these amenities.
d. Associations must, by statute, allow all members to use all common elements, unless
an element can only be accessed from a specific member's unit - ✔✔a. The association
documents may require that the penthouse members pay for the cost of these
amenities.
✔✔Which of the following is NOT a type of maintenance?
a. Preventative
b. Optional
c. Emergency
d. Corrective - ✔✔b. Optional
✔✔In a condominium association, who is normally responsible for repairing a leak in a
member's toilet?
a. The association
b. The member
c. Whomever the documents deem responsible
d. Roto Rooter - ✔✔c. Whomever the documents deem responsible
✔✔What does a building maintenance and replacement report provide?
a. A detailed replacement schedule for all common elements, limited common elements
and unit property in an association
b. A detailed report, under the seal of an architect or engineer, of the maintenance and
replacement costs of common elements in a condominium
c. A detailed report, under the seal of an architect or engineer, of the maintenance and
replacement of common elements in an HOA
, d. A detailed replacement schedule for all common elements, limited common elements,
and unit property in a condominium - ✔✔b. A detailed report, under the seal of an
architect or engineer, of the maintenance and replacement costs of common elements
in a condominium
✔✔What is an example of an emergency?
a. A vehicle running through and breaking a security gate
b. An accidental poisoning of association members caused by eating cookies made by
the president's wife at a board meeting
c. Muscovy ducks flying directly over the association's pool
d. The loss of electricity for five minutes - ✔✔b. An accidental poisoning of association
members caused by eating cookies made by the president's wife at a board meeting
✔✔Florida statutes that apply to pools and spas operated by community associations
regulate all of the following, EXCEPT:
a. Safety of assistance animals authorized to be in the pool area
b. Construction standards
c. The bacteriological, chemical, and physical quality of the water
d. Lifesaving equipment - ✔✔a. Safety of assistance animals authorized to be in the
pool area
✔✔All of the following information is required to be included on a sign posted at the pool
in one-inch-high lettering, EXCEPT:
a. The hours of operation
b. The hours during which service animals may use the pool
c. A warning not to swallow pool water
d. The banning of food and drink - ✔✔b. The hours during which service animals may
use the pool
✔✔Which of the following is NOT true about public swimming pools?
a. Local county public health units and the FDOH regulate public swimming pools and
bathing places.
b. A pool that serves no more than 32 condominium or cooperative units and prohibits
the rental or sublease of units for periods of less than 60 days must obtain an initial
operating permit from the FDOH.
c. A pool that serves no more than 32 condominium or cooperative units that are not
operated as a public lodging establishment is exempt from all supervision by the FDOH.
d. The federal Virginia Graeme Baker Pool and Spa Safety Act requires that each public
swimming pool and spa drain cover or grate be equipped with an anti-entrapment
system or device - ✔✔c. A pool that serves no more than 32 condominium or
