Florida's Reserve Study Insurance Appraisal Experts
Florida’s Regulations Are a Moving Target—Here’s Why It Matters
Florida’s condominium/hoa laws and insurance regulations keep shifting, leaving boards overwhelmed and exposed to costly mistakes. The complexity can feel endless, but you don’t have to tackle it alone.
Our Simple 3-Step Plan
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Implement with Confidence
Team up with us to secure your community.
The High Cost of Choosing the Wrong Partner—or None at All
- A company clueless about Florida’s laws could leave you non-compliant, triggering fines and lawsuits.
- The wrong provider might ignore Florida’s climate risks, producing inaccurate studies that lead to surprise expenses.
- No services? You’re risking special assessments, loan denials, and insurance non-renewals.
- Unsafe conditions and declining property values.
Imagine a Community That Thrives
- Fully funded reserves—no financial shocks.
- Happy residents who trust your leadership.
- Insurance and loans sorted, no sweat.
- A property everyone in Florida envies.
Relieve the Stress of HB-913
- Before: Buried in regulations, stressed, and second-guessing everything.
- After: Confident, in control, leading a thriving community.
Imagine the Peace of Mind
“With FPAT, you’ll have a compliant Florida condo reserve study, a solid financial plan, and confidence that your property is safe.”
Get Your Free Florida Compliance Checklist
- SIRS requirements HB 913
- Reserve study updates
- Insurance tips
- And more
Hear From Our Clients
Why Florida Needs Reserve Studies
In the wake of the tragic Surfside condominium collapse in 2021, Florida’s legislative landscape has undergone a seismic shift, prioritizing the safety and financial stability of condominium and homeowners’ associations (HOAs) across the state. As a board member, property manager, or unit owner in Florida, you’re likely grappling with the realities of aging infrastructure, skyrocketing insurance premiums, and a barrage of new compliance requirements. This is where reserve studies become not just a regulatory checkbox, but a lifeline for your community’s long-term viability. A Florida reserve study—specifically tailored to our unique environmental challenges like hurricanes, salt air corrosion, and subtropical humidity—provides a comprehensive 30-year financial roadmap for major repairs and replacements of common elements such as roofs, elevators, parking garages, and structural components.
But why are reserve studies so critical in Florida right now? The state’s condo boom in the 1970s and 1980s means many buildings are hitting the 40-50 year mark, where deferred maintenance can lead to catastrophic failures. Without adequate reserves, associations face special assessments that burden owners with unexpected costs—sometimes tens of thousands per unit—or worse, safety risks that echo the Surfside disaster. Enter House Bill 1021 (2022), which mandated structural integrity reserve studies (SIRS) for the first time, requiring full funding for structural reserves without waivers. Fast-forward to 2025, and House Bill 913 has refined these rules, offering some relief while tightening accountability. As of September 2025, with the extended SIRS deadline looming on December 31, 2025, now is the time to act. Delaying could mean fines from the Department of Business and Professional Regulation (DBPR), insurance denials, or even building shutdowns.
The 2025 updates via HB 913 are game-changers, providing breathing room amid economic pressures. The initial SIRS deadline, originally set for December 31, 2024, has been extended to December 31, 2025, for associations existing before July 1, 2022. This one-year grace period acknowledges the overwhelming demand on licensed engineers and the logistical hurdles of inspections in a post-hurricane season. However, it’s not a free pass—associations must still prioritize completion to avoid cascading issues like non-compliance penalties (up to $1,000 per day) or challenges securing insurance in Florida’s volatile market, where premiums have surged 40-50% in recent years due to reinsurance costs and climate risks.
Latest Florida Regulations
Staying abreast of Florida’s condo and HOA regulations is essential in 2025, especially as HB 913 and related laws reshape reserve study requirements. This section dives into the freshest updates, helping you navigate “latest Florida condo reserve study regulations 2025” with clarity. We’ve curated key changes, practical guidance, and direct links to authoritative resources—no more sifting through legalese. As your guide, FPAT simplifies compliance, ensuring your association avoids pitfalls like DBPR audits or funding shortfalls.
Get Your Free Florida Reserve Study Checklist
- And more
Getting A Proposal, How Does It Work?
All proposals are provided at no charge and can be requested from your computer, tablet, or phone by completing one of our simple online forms. Once the information is received, we will utilize aerial imaging software to assess your property and provide an accurate proposal. In most cases, a formal proposal will be prepared and emailed to you within 24 hours. Simply click the link below, it only takes 5 minutes!
Serving The Entire State Of Florida
Commercial Services
- Jacksonville
- Hialeah
- Tallahassee
- Fort Lauderdale
- Port St. Lucie
- Cape Coral
- Gainesville
- St Petersburg
- Pembroke Pines
- Daytona Beach
- Lakeland
- Miramar
- Boca Raton
- Coral Springs
FAQ Florida Reserve Studies and SIRS Compliance
As a busy Florida condo board member or property manager, you're already juggling insurance demands, hurricane risks, and strict regulations like HB 913—it's overwhelming, and it's not fair to navigate this alone. That's where FPAT steps in as your trusted guide, simplifying the process with expert reserve studies tailored to Florida's unique challenges. Below, we've answered common questions to ease your stress and help you move forward confidently. If these spark more questions, contact us for a free consultation.
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