Mississippi HOA Law Changes 2021–2025: What Every Board Needs to Know

<h2>Overview of Mississippi HOA Law Changes 2021–2025</h2>

<p>Mississippi community associations are governed by the Mississippi Condominium Act (Miss. Code § 89-9-1 et seq.) and the Mississippi Property Owners Association Act. Between 2022 and 2024, Mississippi enacted several updates addressing electronic governance, solar energy rights, assessment lien procedures, vendor conflict disclosure, coastal structural inspection requirements, and EV charging rights. Here is a session-by-session breakdown.</p>

<h2>2022 Legislative Session</h2>

<h3>HB 913 — Electronic Notice and Meeting Authority</h3>

<p>HB 913 amended the Mississippi Condominium Act to authorize electronic delivery of all required association notices — including meeting notices, assessment statements, and lien notices — to unit owners who have provided a written electronic address and consented to electronic delivery. The bill also permits board meetings to be conducted by video conference or telephone conference, provided all participants can hear each other simultaneously. Boards must provide electronic meeting access instructions at least 10 days before any meeting conducted by electronic means. Associations that have not yet established electronic notice delivery procedures should collect written electronic consent forms from members and update their notice workflows.</p>

<h3>SB 2718 — Solar Energy Rights</h3>

<p>SB 2718 enacted Miss. Code § 89-9-14, prohibiting Mississippi homeowners associations and condominium associations from adopting or enforcing any covenant, condition, or restriction that prohibits or unreasonably restricts the installation of solar energy systems. Associations may impose reasonable placement standards — requiring rear-facing installation where feasible, prohibiting ground-mounted arrays in front yards — provided those standards do not increase the cost of installation or reduce energy output by more than 10%. Any existing CC&amp;R provision that amounts to an outright solar prohibition is void under Mississippi law. Boards should audit governing documents and repeal non-compliant solar restrictions before receiving the first solar installation request from a member.</p>

<h2>2023 Legislative Session</h2>

<h3>HB 1154 — Assessment Lien Collections Procedure</h3>

<p>HB 1154 established a statutory pre-lien notice requirement for Mississippi condominium and planned community associations. Before recording an assessment lien, the association must send a 30-day written notice by certified mail, itemizing all amounts due — principal assessments, late fees, interest, and collection costs accrued to date — and informing the owner of the right to dispute the assessment and request a hearing before the board. Associations whose collections workflows skip the certified mail cure notice step must update those workflows immediately — recording a lien without the statutory notice exposes the association to challenge and potential loss of the lien.</p>

<h3>SB 2362 — Vendor and Contract Conflict Disclosure</h3>

<p>SB 2362 required Mississippi association boards to disclose to members any contract with a vendor or service provider in which a board member or the management company has a financial interest. Conflicts of interest must be disclosed at the board meeting where the contract is approved, and the disclosure must be recorded in the meeting minutes. Board members with a conflict must recuse from the vote approving the contract. Contracts entered in violation of this provision are voidable by the association or any member within one year of discovery of the conflict. Boards should adopt a written conflict of interest policy and include conflict disclosure as a standing agenda item at the beginning of every board meeting.</p>

<h2>2024 Legislative Session</h2>

<h3>HB 499 — Coastal Community Structural Inspection</h3>

<p>HB 499 required Mississippi condominium associations in the three coastal counties — Harrison, Hancock, and Jackson — to commission structural integrity inspections of buildings over 3 stories or more than 20 years old. The inspection must be conducted by a licensed structural engineer and must assess all major load-bearing components including foundation, columns, beams, slabs, and any below-grade parking or mechanical structures. Initial inspections were due by January 1, 2026, with reinspection every 5 years thereafter. Inspection reports must be disclosed to all unit owners within 30 days of the board's receipt of the report and must be retained in the association's records for a minimum of 10 years. Mississippi coastal condo boards that have not yet scheduled their initial structural inspection are now in violation of state law.</p>

<h3>SB 2811 — EV Charging Rights for Unit Owners</h3>

<p>SB 2811 prohibited Mississippi homeowners associations and condominium associations from adopting or enforcing any restriction that prohibits the installation of EV charging equipment in an owner's assigned parking space. Associations may require compliance with applicable electrical codes, require that installation be performed by a licensed electrician, require prior written board approval within 60 days of a complete application, and require that the owner carry additional liability insurance for the equipment. Associations may not deny a properly submitted installation request without documented structural, safety, or electrical capacity cause. Boards should adopt a written EV charging installation policy before the first installation request is received.</p>

<h2>Board Action Checklist</h2>

<ul>

<li>Collect written electronic consent forms from members and implement electronic notice delivery for consenting members</li>

<li>Audit CC&amp;Rs for solar installation restrictions and repeal any outright bans under Miss. Code § 89-9-14</li>

<li>Update collections policy to require 30-day certified mail pre-lien notice with itemized delinquency statement</li>

<li>Adopt a written conflict of interest policy and include disclosure as a standing agenda item at every board meeting</li>

<li>If in Harrison, Hancock, or Jackson County: schedule structural inspection for any building over 3 stories or 20 years old</li>

<li>Adopt a written EV charging installation policy with a 60-day approval timeline</li>

</ul>

<h2>How APM Helps Mississippi HOA Boards Stay Compliant</h2>

<p>APM's remote HOA management service monitors Mississippi HOA and condominium law updates and provides client boards with compliance guidance on solar policies, collections procedures, conflict disclosure, and structural inspection requirements. <a href="/remote-hoa-management/mississippi">Learn about our Mississippi remote management services</a>.</p>

<p><em>Legal disclaimer: This article is for informational purposes only and does not constitute legal advice. Consult a licensed Mississippi attorney for guidance specific to your community.</em></p>