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
Get a Custom Proposal
Receive a tailored quote in 24 hours.
Schedule Your On-Site Inspection
Meet with an FPAT Expert to assess your property needs
Implement with Confidence
Team up with us to secure your community.
The High Cost of Choosing the Wrong Partner—or None at All
HOA Reserve Study Companies
- 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 HOA reserves—no financial shocks.
- Happy residents who trust your leadership.
- Insurance and loans sorted, no sweat.
- A property everyone in Florida envies.
Your Trusted Partner
Our Core Services
We provide essential services tailored for communities and homeowners. Explore our offerings for professional support in reserve studies, insurance appraisals, and inspections.
Reserve Studies
We conduct thorough reserve studies to assess the financial health of your community and plan for future repairs.
Insurance Appraisals
Get accurate condo and HOA insurance appraisals to ensure your property is properly covered against potential risks.
Windstorm Inspections
Our windstorm mitigation inspections help you identify vulnerabilities and enhance your property’s resilience to severe weather.
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
Hear From Our Clients
Why Florida Condos/HOAs Need Reserve Studies
In the wake of the tragic Surfside condominium collapse in 2021, Florida’s legislative landscape has undergone a seismic shift. As of March 2026, the critical December 31, 2025 deadline for initial studies has passed. For board members and property managers, reserve studies are now the primary tool for maintaining legal compliance and ensuring long-term community viability.
This regulatory evolution began with Senate Bill 4-D (2022), establishing the Structural Integrity Reserve Study (SIRS) requirements. Later refined by SB 154 (2023), the standards were tightened. Recently, House Bill 1021 (2024) introduced significant penalties for boards failing to maintain transparency or fulfill fiduciary duties regarding these critical inspections.
For buildings 3 stories or higher, the grace period provided by House Bill 913 (2025) has concluded. Associations must now fully fund structural reserves without the option to waive contributions. Failure to provide a compliant SIRS now risks insurance non-renewal and substantial DBPR fines.
Is Your SIRS Up to Date?
The 2025 deadlines are behind us. Ensure your building is compliant with 2026 funding requirements.
Talk to a Reserve Expert
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 It Works
Navigating Florida's 2026 compliance landscape shouldn't be a hurdle for your board. We have streamlined our procurement process to provide you with the data you need to satisfy DBPR requirements and insurance carriers—without the wait.
1. Request
Submit our 5-minute online form. No site visit is required for the initial quote.
2. Analyze
We utilize high-resolution aerial imaging and property data to assess your common elements.
3. Deliver
Receive a formal, professional proposal in your inbox within 24 hours.
Traditional Reserve Study
Ready to secure your association's financial future? Start your comprehensive study today with our simple, no-contact process.
Get Traditional Study ProposalExpert Board Presentation
We don't just "drop and go." Once your customized reserve study is ready, our experts will zoom into your board meeting to present findings, explain funding schedules, and answer questions from directors or owners in real-time. We ensure your board has total clarity on their 2026 fiduciary responsibilities.
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
We're Available To Have A Conversation
We're Available To Have A Conversation
