You are not allowed to renovate with out a permit. But as a homeowner you may pull your own permits basically acting as the contractor. As long as all work is up to code you will have no problem getting a CO.
People do it all the time, it's Miami! I guess we all agree to that. Big mistake in many instances! On a resale requiring a Certificate of Re-occupancy from the City or Municipality the Owner will find himself spending a whole lot more than if he would have permitted the renovations in the first place. I have been waiting to close on a condo in North Miami for about 4 months...
My advice is to submit a request to your association first and very likely they will require permits. If for some reason they don't require it your best option is to get a permit anyway that way you won't face any potential future problems like violations when you are ready to sell your condo.
The Keyes Company