IgeraFincas for California HOA & CID Management
The AI assistant built for California's Davis-Stirling Act. Answers homeowner queries about CC&Rs, SB 326 balcony inspections, AB 3182 rental restrictions, and reserve fund requirements — citing the exact Civil Code section every time.
California: the largest HOA market in the country
50K+
HOAs and CIDs across California
14M
Californians living in HOA communities
6 yr
SB 326 mandatory balcony inspection cycle
§4000
Davis-Stirling Civil Code starting section
California has more HOAs and Common Interest Developments (CIDs) than any other state in the country. The Davis-Stirling Common Interest Development Act — running from Civil Code §4000 to §6150 — is one of the most detailed community association statutes in the world, covering everything from the annual disclosure package to reserve fund calculations to board member immunity. Management companies in Los Angeles, San Diego, San Francisco, and the Inland Empire handle thousands of Davis-Stirling compliance questions every month.
California HOA law IgeraFincas masters
Four critical Davis-Stirling areas where homeowner queries are most concentrated
Annual Disclosure Package (Civil Code §5200)
The annual disclosure package must include the budget, reserve funding disclosure, insurance summary, and annual policy statement. IgeraFincas explains each component and what homeowners can do if the association fails to deliver it on time.
Reserve fund adequacy: the association must maintain reserves at a level that prevents deferred maintenance. If the reserve study shows the fund is below 30% funded, a special assessment may be needed — IgeraFincas explains the legal procedure.
SB 326 Balcony Inspections (Civil Code §5551)
Associations with buildings of 3 or more units must inspect all exterior elevated elements — balconies, decks, stairways, walkways — every 6 years by a licensed structural or civil engineer. The first wave of deadlines ran through January 2025.
SB 721 applies the same inspection requirement to apartment buildings (non-HOA). IgeraFincas distinguishes between the two statutes so management companies handle compliance correctly for each property type.
AB 3182 Rental Restrictions (Civil Code §4740)
AB 3182 prohibits California HOAs from enforcing rental restrictions that limit rentals to fewer than 25% of units. HOAs can still require owner-occupancy for some percentage of the community, but cannot prohibit rentals through a cap below the 25% floor. Short-term rentals (under 30 days) may be regulated separately. IgeraFincas explains how your specific CC&R rental clause interacts with §4740 and whether any existing restriction is still enforceable after AB 3182.
Board Procedures & Member Rights (§4920, §5800)
Civil Code §4920 governs board meeting notice requirements — members must generally receive 4 days' notice before a regular board meeting and meetings must be open to members. Executive sessions are narrowly defined. §5800 provides volunteer board members with immunity from personal liability when acting in good faith and within their authority. IgeraFincas answers member questions about meeting rights and board authority limitations in plain language, with statute citations.
IgeraFincas is pre-loaded with the complete Davis-Stirling Common Interest Development Act (Civil Code §4000–§6150), SB 326, SB 9/10 ADU provisions, and AB 3182. Upload your CC&Rs and it answers from both statute and your association's governing documents simultaneously.
IgeraFincas by US State
How IgeraFincas works for California CID managers
Upload CC&Rs and bylaws
Upload your association's governing documents. IgeraFincas indexes them alongside Davis-Stirling for combined answers within 48 hours.
Homeowners ask freely
From San Diego townhomes to SF high-rises, owners ask via the community website widget or WhatsApp at any hour — no hold times, no form submissions.
Cited answers in seconds
Every answer cites the relevant Civil Code section and the specific CC&R clause. Homeowners get authoritative answers; your team gets fewer inbound calls.
Compliance gaps flagged
IgeraFincas identifies when your CC&Rs contain provisions that conflict with current Davis-Stirling amendments or AB 3182 — before regulators or homeowners do.
A Davis-Stirling query answered in real time
A homeowner in a Irvine, CA master-planned community asks about the SB 326 balcony inspection at 8pm. IgeraFincas pulls the answer from Civil Code §5551, checks the association's uploaded compliance calendar, and responds with the next inspection deadline and what the association is required to do if the inspector finds deterioration.
California management companies using IgeraFincas deflect 72% of routine owner inquiries and reduce their SB 326 compliance-related support calls by more than 60%.
Irvine Commons HOA
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Has our HOA done the SB 326 balcony inspection yet?
Your association's SB 326 inspection is scheduled for Q3 2025. Under Civil Code §5551, all exterior elevated elements must be inspected by a licensed structural engineer every 6 years. If the inspector finds compromised load-bearing components, the board must initiate emergency repair and may restrict access to affected balconies.
Sources: Civil Code §5551 (SB 326) · Board minutes, March 2025
California queries IgeraFincas resolves
Common queries from Los Angeles, San Diego, San Jose, and Sacramento HOA communities
Annual disclosure package questions
“I didn't receive the annual disclosure packet — what should it contain?”
IgeraFincas lists the mandatory contents of the annual disclosure package under §5200 and §5300 and explains the homeowner's right to request missing documents from the association under §5230. [Civil Code §5200, §5230, §5300]
Balcony inspection compliance
“Our balcony was flagged in the SB 326 inspection. Who pays for repairs?”
Explains the §5551 repair obligation timeline and the distinction between common area balcony structure (HOA responsibility) and unit-exclusive use area components (may be owner responsibility per CC&Rs). [Civil Code §5551 + CC&R maintenance clause]
Rental restrictions — Airbnb/VRBO
“My CC&Rs say no rentals under 30 days. Is that still enforceable?”
Explains the distinction between short-term rental restrictions (under 30 days — can still be restricted) and longer-term rental bans (subject to the 25% floor under AB 3182). Reads the specific CC&R language to give a precise answer. [Civil Code §4740 (AB 3182)]
ADU approval within CID — SB 9/10
“Can the HOA block my ADU application approved by the city?”
Explains that SB 9 (Government Code §65852.2) limits HOA power to block ADUs that comply with state law, and how the interaction between CC&R architectural review and state ADU rights works in practice for San Jose and Sacramento communities. [Gov. Code §65852.2 (SB 9)]
Frequently asked questions — California
What must be included in the annual Davis-Stirling disclosure package?
Under Civil Code §5200 and §5300, the annual disclosure package must include: the annual budget report, reserve funding disclosure, assessment and reserve funding summary, insurance summary, annual policy statement (including enforcement policies and rental restrictions), and notice of any pending or anticipated legal proceedings. IgeraFincas can walk homeowners through what each section means and what remedies exist if the association fails to deliver the package within 30–45 days before the start of the fiscal year.
When does my California HOA need a mandatory SB 326 balcony inspection?
SB 326 (Civil Code §5551) requires associations with buildings of 3 or more units to inspect all exterior elevated elements every 6 years. The inspector must be a licensed civil or structural engineer and must submit a written report to the association. Most California HOAs faced their first SB 326 deadline on or before January 1, 2025. If your association missed this deadline, IgeraFincas can explain the consequences and the correct process to initiate an inspection now.
Can our HOA still prohibit Airbnb rentals under AB 3182?
AB 3182 (Civil Code §4740) prohibits enforcement of CC&R provisions that limit rentals to fewer than 25% of units. However, HOAs retain the right to prohibit short-term rentals (rentals of less than 30 consecutive days) entirely. A CC&R saying “no rental for less than 30 days” is still valid and does not violate AB 3182. IgeraFincas reads your specific CC&R rental clause and tells you exactly which parts remain enforceable.
How are HOA reserve fund requirements calculated in California?
California Civil Code §5550 requires associations to conduct a reserve study every 3 years with a visual site inspection, and an update (without inspection) in the intervening years. The annual budget must include reserve contributions sufficient to meet the reserve funding plan. §5560 requires the budget to disclose the percent funded, the recommended and projected contributions, and a disclosure of the risk of a special assessment if the fund is inadequate. IgeraFincas can explain the percent funded calculation to homeowners and what a “special assessment risk” disclosure actually means.
What are board member liability protections under Davis-Stirling §5800?
Civil Code §5800 provides volunteer board members with immunity from personal monetary liability for actions taken in their capacity as a director, provided they acted in good faith, in a manner reasonably believed to be in the best interest of the association, and with the care of an ordinarily prudent person. Immunity does not apply to willful or fraudulent acts, breaches of fiduciary duty that involve personal financial gain, or actions taken outside the scope of association business. IgeraFincas can explain these limits to homeowners challenging board decisions.
Start today. Davis-Stirling pre-loaded.
- Free 14-day trial — no credit card required
- Davis-Stirling Civil Code §4000-6150 pre-loaded
- SB 326, AB 3182, and SB 9 pre-loaded
- Operational in 48 hours after CC&R upload