Chazal preferred that entire congregations should begin saying Mashiv Haruach at the same time. Therefore, they instituted that the one may only begin saying Mashiv Haruach after it is announced in shul to do so. If the announcement is made before the quiet Shemoneh Esrei, the tzibur may begin to say it during the private Shemoneh Esrei. Otherwise, the chazan begins by saying it during Chazoras Hashatz. This serves as the announcement, and the tzibur begins adding it at Mincha. If a member of the tzibur erroneously says Mashiv Haruach aloud during his private Shemoneh Esrei, some poskim consider that an announcement, and the people who hear him may add it into their own tefillos. In communities where Tefillas Geshem is recited before the quiet Shemoneh Esrei, it serves as the announcement to begin Mashiv Haruach.
ס"ב ס"ק ד' ביה"ל ד"ה אסור ביאורים ומוספים דרשו 8
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