This past week has underscored the deep dysfunction at Omega Villas and across Florida’s oversight system. Owners continue to raise legitimate concerns, while state and financial stakeholders now face mounting evidence of circular accountability failures.
Chief Inspector General Referral – August 28, 2025
On August 28, 2025, I received correspondence from the Florida Chief Inspector General (CIG #2025-08-27-0012). While the CIG acknowledged my complaint regarding Omega Villas, the office disclaimed jurisdiction over HOAs and attorney conduct, instead referring the matter to the DBPR Inspector General for “review and action deemed appropriate.”
This development places DBPR arbitration, the post-Surfside condo law reforms (July 2024 & 2025), and attorney oversight under Inspector General review.
OIG Communication Breakdown
Separate from the referral, multiple emails to the Office of the Inspector General went unanswered for weeks, despite being sent to published intake addresses. This confirms a troubling intake and responsiveness failure at the oversight level. Homeowners should not have to chase the very offices responsible for accountability.
Circular Deflection
The referral is especially concerning given that, on May 21, 2025, the DBPR Inspector General already confirmed in writing that his office had no jurisdiction to investigate construction, permitting, or DBPR decisions in this case. By referring the matter back to the same office that disclaimed authority, the state is engaging in circular deflection rather than addressing the core issues.
Financial Concerns – Banco Loan & Special Assessments
At the August 26th Board meeting, it was revealed that Banco Popular advised the Association to consider taking an additional $100,000 draw from the $4.85M construction loan, beyond the already-approved $1.74M.
While framed as a “cushion” for unforeseen costs, this raises concerns:
- Owners have not been provided with June or July financial statements.
- No independent confirmation exists on whether loan draws are fully available.
- Construction appears staged to suggest steady progress, but unresolved contract and scope disputes remain.
Additional “miscellaneous” special assessments have also been floated outside the 40-year recertification scope — a warning sign of escalating financial exposure for owners.
Impact
The combination of oversight failures, circular referrals, and questionable loan activity paints a troubling picture:
- Regulators are failing to enforce newly-passed condo protections.
- Financial institutions are being asked to extend additional credit without transparent accounting.
- Homeowners face escalating risk through selective enforcement, delayed financial reporting, and potential overextension of loan obligations.
Conclusion
This case is no longer about a single community dispute — it is a systemic governance and oversight failure with direct implications for banks, regulators, and Florida’s broader condo system.
I will continue to provide updates as additional documents, financial records, and oversight responses emerge.
Shawn Martin, MBA
Owner, Board Member & Protected Whistleblower – Omega Villas
https://hoajusticenow.com
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