Reserve Study Florida: Expert SIRS & Compliance for Condos & HOAs
Comprehensive Planning for Condos and HOAs
Jennifer Stanley
17:09 02 Dec 25
Great company to work with on Reserve Studies and wind mitigation. Responsive and fair price.
Response from the owner 19:16 02 Dec 25
Thank you so much for the wonderful 5-star review! 🌟We’re truly grateful you chose FPAT for your Florida condo reserve study and wind mitigation inspection. It’s always a win when clients tell us we were responsive, easy to work with, and delivered fair, transparent pricing—exactly what every board member and property manager deserves when tackling insurance requirements and Florida’s tough building laws.Your feedback means the world to our team, and we’re here anytime you need an updated reserve study, SIRS report, or another wind mitigation report to keep premiums low and compliance locked in.Thanks again for trusting Florida’s condo reserve study experts!— The FPAT Team
Jan Gable
14:37 25 Nov 25
I can’t say enough good things about my experience with FPAT. Scott was our on-site person and, not only was he knowledgeable, but super easy to work with and collaborative. Maddy, in their office, was great as well. I highly recommend them.
Response from the owner 19:20 02 Dec 25
Thank you for this incredible 5-star review—we’re absolutely thrilled to hear it! 🌟Scott and Maddy are rock stars on our team, and we love that you felt their knowledge, collaboration, and genuine care every step of the way. That’s exactly the kind of stress-free, partnership experience we want every Florida condo board and property manager to have when getting their reserve study or SIRS report done right—and on time.Your recommendation means the world to us, and we’re here whenever you need an update, a new Structural Integrity Reserve Study, or help with insurance deadlines.Thank you again for trusting FPAT—Florida’s local condo reserve study experts!— The FPAT Team(Proudly serving condo associations & HOAs across Florida with fast, accurate, and hassle-free reserve studies)
Ian Land
15:57 24 Nov 25
We did a reserve study and it was completed in very quickly due to the HOA's request and was a more than fair price. Will be using them again for reserve studies going forward.
Response from the owner 19:21 02 Dec 25
We love hearing that we could turn your Florida HOA reserve study around lightning-fast to meet your tight deadline, all while keeping pricing fair and transparent. That’s the FPAT promise: fast, accurate reserve studies and SIRS reports without the usual headaches or sticker shock—so you can get back to running your community with total confidence.
Robbie Anderson
17:34 18 Nov 25
Thorough, thoughtful and very detailed. An awesome report for funding and planning.
Response from the owner 16:05 19 Nov 25
Thank you for your fantastic review! We're delighted our thorough, thoughtful, and detailed report was an excellent tool for your funding and planning.Florida condo boards and property managers often deal with insurance demands, SIRS requirements, and hurricane risks, leading to concerns about compliance and costs. At FPAT, we provide expert reserve studies tailored to Florida's regulations and needs.
BePositive
14:06 18 Nov 25
Our condo association has worked with FPAT on a number of projects from our SIRS, wind mitigation and property evaluation. In all projects, we found FPAT to be very thorough in their analysis and reports, very professional and easy to work with. On this last point, they truly listen to your feedback and also challenge us, as the condo association, to ensure we are making the best informed decision. Kudos to FPAT and Eric Dixon, who we worked with diligently on our SIRS.
Response from the owner 16:01 19 Nov 25
Thank you for your wonderful review! We're thrilled to hear how our thorough analysis, professional approach, and collaborative style—truly listening to your feedback while challenging your condo association to make the best decisions—made a difference across your SIRS, wind mitigation, and property evaluation projects. Special thanks for the shoutout to Eric Dixon; his diligence on your SIRS is a perfect example of how we partner with Florida communities like yours.We know the overwhelm all too well: insurance bombshells demanding reserve studies, Florida's harsh weather risks like hurricanes, and strict laws such as Structural Integrity Reserve Studies (SIRS) for taller buildings. It leaves board members and property managers stressed about compliance, surprise costs, and resident safety—thinking, "This shouldn't be so hard." At FPAT, Florida's trusted local experts in reserve studies, we've guided countless HOAs through these hurdles with empathy and deep-rooted authority in the Sunshine State's regulations and challenges.
Leo Kessel
20:17 03 Nov 25
Very knowledgeable, professional and easy to work with in navigating all of the new legislative requirements.
Response from the owner 15:58 19 Nov 25
Thank you, Leo, for your kind words on November 3, 2025! We're glad our knowledgeable and professional team made navigating those new legislative requirements easier and more straightforward for you.We know how overwhelming it can feel when insurance demands and Florida's strict regulations—like Structural Integrity Reserve Studies (SIRS)—pile on the pressure, leaving condo boards and property managers stressed about compliance, surprise costs, and resident safety. At FPAT, Florida's trusted local experts in reserve studies, we've guided countless communities through these challenges, turning frustration into confidence with our deep understanding of hurricanes, HOAs, and state laws.As the go-to reserve study company in Miami, we're here for anyone searching "reserve study near me" in Miami.
Josh Collens
16:49 17 Oct 25
FPAT was outstanding putting together our Reserve Study. Devin was great and very knowledge on how to conduct the study. We are very pleased with the report.
Response from the owner 18:54 17 Oct 25
Thank you for your review! We're delighted that FPAT provided an exceptional reserve study tailored to your requirements. Devin is grateful for the recognition of his deep knowledge in performing the reserve study—comments like yours inspire us to uphold top-tier quality in all our reports. We truly value your confidence in us and are eager to support any upcoming reserve study revisions or additional needs. Feel free to get in touch anytime!1.3s
Woody Kazimierski
19:41 13 Oct 25
FPAT delivered a comprehensive traditional reserve fund and SIRS studies that were clear to understand and easy to follow with relevant maintenance projects. Both reports were done on time with minimal revisions that were promptly completed.
Response from the owner 17:48 15 Oct 25
We’re thrilled to hear about your positive experience with FPAT’s traditional reserve fund and Structural Integrity Reserve Study (SIRS) services! Our team is dedicated to delivering clear, comprehensive, and easy-to-follow reports tailored to meet the unique needs of Florida condo and HOA boards. We understand the stress of navigating insurance requirements and Florida’s strict regulations, so we’re proud to have provided you with timely reports and prompt revisions to ensure your peace of mind.At FPAT, we specialize in helping property managers and board members like you stay compliant and prepared for Florida’s challenges, from hurricanes to SIRS mandates. Your feedback highlights our commitment to excellence and reinforces why we’re Florida’s trusted experts in condo reserve studies.Ready to take the stress out of your next reserve study? Contact FPAT today for a tailored proposal or download our free guide, Understanding Florida’s Reserve Study Requirements, to stay ahead of compliance demands.
Kerry Wells
18:10 13 Oct 25
I have used FPAT for both reserve studies and insurance appraisals. Their staff is professional, responsive and knowledgeable. The reports they produce are comprehensive and easy to understand.
Response from the owner 17:50 15 Oct 25
We’re delighted to hear about your great experience with FPAT’s reserve studies and insurance appraisals! At FPAT, our professional and knowledgeable team is committed to delivering comprehensive, easy-to-understand reports that help Florida condo and HOA board members like you navigate complex requirements with confidence. We know how overwhelming insurance demands and Florida’s regulations can feel, and we’re here to make the process seamless and stress-free.Your trust in us for both reserve studies and insurance appraisals means the world. As Florida’s trusted experts, we’re dedicated to providing responsive service and tailored solutions to keep your community compliant and prepared for any challenge, from hurricanes to SIRS mandates.
Kristen Pileggi
19:15 03 Sep 25
I can not speak highly enough of Maddy! Working in the insurance industry - she is my GO TO with inspections. Super fast, kind, friendly, efficient .. I could go on and on! Whenever I am in need of an commercial wind mitigation inspection I reach out and she replies with the info I need quicker than I can even send the email. 10 Stars if I could!
Response from the owner 17:35 05 Sep 25
Thank you for the glowing review! We’re thrilled to hear about your fantastic experience with Maddy for your commercial wind mitigation inspection needs. At FPAT, we pride ourselves on delivering fast, friendly, and efficient service, and it’s wonderful to know Maddy exemplifies this as your go-to expert in the Reserve Study and insurance industry.Her quick response times and dedication to providing top-notch inspection services are what make FPAT Florida’s trusted choice for condo and HOA reserve studies, including wind mitigation inspections that meet Florida’s strict regulations. We’re here to ensure your property is compliant, safe, and ready for any challenge—without the stress.We truly appreciate your kind words and 10-star enthusiasm! For anyone reading this, contact FPAT today for your commercial wind mitigation inspection or reserve study needs, and experience the same reliable, professional service.
Lisa Cook
14:06 16 Apr 25
FPAT delivered on there commitments to get our HOA renewal insurance appraisal. They were professional and knowledgeable and kind and got it done early. Maddy was extremely helpful explaining what needed to be done and was so smart and nice, even re-explaining things as needed. Excellent communication and customer service.
Response from the owner 16:45 03 Sep 25
Thank you for your wonderful review! We’re thrilled to hear that Fpat.com exceeded your expectations with our professional and timely HOA Reserve Study and insurance appraisal services in Tampa. Our team, especially Maddy, takes pride in delivering clear, knowledgeable guidance to ensure your HOA meets all requirements, including Hb-913 compliance. At Fpat.com, we strive to be the top Reserve Study Company for HOAs and condos, offering expert Condo Reserve Study and SIRS assessments with excellent communication. Your kind words about our customer service mean the world! For anyone seeking a Reserve Study Near Me in Tampa, we’re here to help—contact us today or check our photo “sirs-tampa-florida-structural-inspection.jpg” to see our work in action. Thanks again for choosing Fpat.com!
Tim Copp
01:40 14 Apr 25
Eric Dixon has been a pleasure to deal with as part of our Association's reserve study. Patient, communicative, and helpful.
Response from the owner 16:46 03 Sep 25
Thank you for your fantastic review! We’re delighted to hear that Eric Dixon provided exceptional service during your Association’s Hoa Reserve Study in Orlando. At Fpat.com, our Reserve Study Company is committed to delivering patient, communicative, and helpful support, ensuring your HOA meets Hb-913 and SIRS requirements with ease. Whether you need a Condo Reserve Study or a comprehensive Reserve Study Near Me, our team is here to guide you. Check out our photo “reserve-study-company-orlando-professional-services.jpg” to see our process in action! Your kind words inspire us—contact Fpat.com for expert reserve study services in Orlando or beyond. Thanks for choosing us!
Cindy Patrick
20:26 17 Feb 25
I have been working with FPAT for over a decade. They are very timely and responsive to email. The insurance carries know the integrity this company holds, I have heard them say it. It's when an underwriter see's Felton's name, they don't question the document at all. That is how much trust they have in Felton Professionals.
Response from the owner 17:36 05 Sep 25
We’re deeply honored by your decade-long partnership and heartfelt review! At FPAT, we strive to deliver timely, responsive, and trustworthy service, and it’s incredibly rewarding to hear that our integrity shines through in the eyes of insurance carriers and underwriters. Knowing that Felton Professionals’ name carries such weight in the industry—especially for condo and HOA reserve studies, including Structural Integrity Reserve Studies (SIRS)—fuels our commitment to excellence.
Wendy
18:16 11 Feb 25
Madeline is AMAZING . thank you for all you do
Response from the owner 17:37 05 Sep 25
We’re thrilled to hear your enthusiasm for Madeline’s amazing work! At FPAT, we’re passionate about delivering exceptional service, and Madeline’s dedication to helping Florida condo boards and property managers with reserve studies and commercial wind mitigation inspections truly shines. Thank you for recognizing her efforts to keep your community compliant, safe, and stress-free amidst Florida’s tough regulations and insurance demands.
Lora
17:57 07 Feb 25
Always a pleasure working with FPAT! The entire team is prompt, efficient and very knowledgeable. I will be continuing using their services for years to come!
Response from the owner 18:47 12 Sep 25
Thank you for your glowing review! We're thrilled to hear that our prompt, efficient, and knowledgeable team at FPAT has made your experience a pleasure. As Florida’s trusted experts in condo reserve studies, we’re committed to delivering top-notch service to keep your community compliant and prepared for anything—hurricanes, SIRS regulations, or insurance demands. We look forward to partnering with you for years to come! For anyone needing a reliable reserve study, contact FPAT today to ensure your property’s financial security and peace of mind.
Anastasia Coombs
16:00 05 Feb 25
Jacqueline D-W
15:57 31 Jan 25
FPAT is great! They provide excellent service and are extremely proficient in doing the wind mitigation inspections. I highly recommend!
Response from the owner 18:47 12 Sep 25
We’re delighted to hear that FPAT’s excellent service and expertise in wind mitigation inspections have earned your high recommendation. As Florida’s go-to experts for condo reserve studies and inspections, we’re dedicated to helping board members and property managers like you stay compliant and prepared for Florida’s storms and strict regulations. Ready to secure your property’s future? Contact FPAT today for a tailored wind mitigation or reserve study solution that brings peace of mind!
Jennifer Welton
01:26 30 Jan 25
Maddy at FPAT is always quick to respond and pleasant to work with. The other representatives I've interacted with have also been nice to work with.
Chuck Connell
21:26 29 Jan 25
I worked with Josh for an inspection today. He was professional and communicative, confirming our appointment time and contact numbers in the days prior. This was efficient, convenient and effective for my schedule.
A Board Member's Journey to Peace of Mind
You’re a dedicated board member or property manager of a Florida condo or HOA. You’re not just managing properties—you’re safeguarding homes, ensuring safety, and keeping everything running smoothly amidst the Sunshine State’s unpredictable hurricanes, floods, and strict regulations. What you really want is to fulfill your insurance company’s demand for a reserve study Florida without the headache, high costs, or risk of mistakes. You’re seeking that elusive peace of mind, knowing your community is financially secure and compliant, ready for whatever Mother Nature or state laws throw your way. Discover how FPAT’s expert solutions for Florida properties can make comprehensive planning for condos and HOAs a reality.
The Real Challenges
You're Facing
As a Florida condo board member or property manager, the state's unique environment leaves you feeling frustrated, exposed, and overwhelmed.
Suddenly, your insurance provider demands a "reserve study Florida" for long-term repair funding—and it feels like a gut punch. This goes beyond paperwork; it's complicated by harsh climate risks like hurricanes, saltwater corrosion, and erosion, plus mandates like the Structural Integrity Reserve Study (SIRS) for buildings three stories or taller.
"Without it, denied coverage could leave your property vulnerable. Picture a Miami condo roof battered by saltwater—you're left anxious, constantly worrying about failure, costs, and staying proactive."
This stress hits deep, keeping you up at night with doubts: "Where do I start with a reserve study in Florida? What if I choose wrong and get inaccurate projections?" Fears of surprise bills, resident complaints, or personal liability make you feel out of your depth, like you're shouldering it all alone.
It just feels unfair—why battle Florida's complex condo laws and financial forecasts solo? You deserve a partner to simplify it and handle your "reserve study Florida" without added drama.
Critical Compliance
- Storms & Humidity: Constant structural strain on Florida roofs and building envelopes.
- SIRS Regulations: Post-Champlain Towers mandates are now strictly enforced.
- Crucial Deadlines: SIRS deadlines passed December 31, 2025; full funding is required in 2026 budgets.
Failure to secure a reserve study leads to budget shortfalls and resident dissatisfaction.
Our Simple Plan to Get Your Reserve Study Done Right
No more guessing—we provide a clear, step-by-step path:
The FPAT Reserve Study Process includes a free consultation to discuss needs, on-site inspection focusing on Florida-specific risks, detailed reporting with cost estimates and funding plans, and implementation guidance for your board.
01
Reach Out to FPAT
Call, email, or fill out our form. Share your concerns about your "reserve study Florida" needs—we're listening. Contact us now or get a free quote.
02
Receive a Customized Proposal
Within 24 hours, we'll deliver a plan built specifically for your property, incorporating Florida's laws, climate risks, and your budget. All proposals are provided at no charge via our simple online forms—utilizing aerial imaging software for accuracy.
03
Get Your Comprehensive Report
Our team handles the on-site inspections, calculations, and details. You'll receive a thorough reserve study that satisfies insurance, regulations, and gives you actionable insights for financial stability. Schedule your on-site inspection and implement with confidence.
Take Action Now—Don't Wait for Disaster
Ready to move forward? Contact FPAT today to schedule your Florida reserve study and stay ahead of requirements
What Happens If You Ignore This?
Procrastinating could lead to big regrets:
- Insurance denial or penalties, exposing your community to financial ruin.
- Surprise repairs from underfunded reserves, triggering special assessments and unhappy residents.
- Non-compliance with Florida’s SIRS laws, inviting audits, fines, or legal issues. As of 2026, full funding is mandatory—no waiving allowed. See the latest Florida legislation on SIRS for details.
- Ongoing anxiety and a tarnished reputation as the leader who let things slide.
What is a Reserve Study?
A reserve study is a financial planning tool that evaluates a property’s major components—think roofs, HVAC systems, and structural elements—and estimates the costs for future repairs or replacements. It’s your community’s long-term budget, ensuring funds are available when needed, without the burden of unexpected special assessments.
In Florida, reserve studies are critical due to environmental risks like hurricanes and saltwater corrosion, aging properties requiring frequent maintenance, and regulatory mandates under SIRS laws for condos and HOAs. FPAT’s reserve studies are tailored to these challenges, providing clear, actionable funding plans.
Legal Requirements for Reserve Studies in Florida
Florida law mandates reserve studies for condominiums and cooperatives under Chapter 718 and Chapter 719, respectively. Key regulations include:
- Structural Integrity Reserve Study (SIRS): Mandatory for condos and co-ops three stories or taller, focusing on critical components like load-bearing walls, roofs, and foundations. Initial SIRS completed by December 31, 2025; updates every 10 years.
- Annual Reserve Funding: Associations must fund reserves for major repairs, with full funding mandatory in 2026 budgets—no waiving for structural components.
- Reporting Deadlines: Coordinate with milestone inspections if due by December 31, 2026, but ensure compliance.
Non-compliance risks legal penalties and financial instability. FPAT ensures your reserve study meets all state requirements, keeping your property compliant and secure. Refer to the official DBPR site for more.
Hear From Our Clients
Expert services tailored to Florida’s unique property regulations, helping you stay compliant, protected, and prepared.
Frequently Asked Questions About Reserve Studies in Florida
What is a reserve study in Florida?
A reserve study is a detailed financial planning tool and budget analysis that forecasts the long-term repair, maintenance, and replacement costs for a condominium, HOA, or cooperative's major common elements and assets, such as roofs, elevators, pools, painting, paving, and structural components. It includes a physical inspection of the property's condition, an inventory of components with their estimated remaining useful life and replacement costs, and a 30-year funding plan to ensure adequate reserves are set aside. In Florida, it's especially critical due to hurricane risks, aging infrastructure, and strict regulations. For many condos (buildings 3+ habitable stories), it includes or aligns with the mandated Structural Integrity Reserve Study (SIRS) to focus on safety and structural elements.
Why do I need a reserve study for my Florida condo or HOA?
Florida's laws (especially post-Surfside collapse reforms like SB 4-D and updates via HB 913) and frequent severe weather make reserve studies essential. Insurers often require proof of adequate funding to provide or maintain coverage, and non-compliance with SIRS for taller buildings can lead to fines, denied claims, or legal issues from the Department of Business and Professional Regulation (DBPR). It prevents surprise special assessments for major repairs, protects property values, maintains resident trust, ensures long-term financial stability, and helps boards plan proactively for deferred maintenance, inflation, and storm damage.
How much does a reserve study in Florida cost?
Costs in Florida (as of 2026) typically range from $1,500 to $16,500 or more, depending on property size, number of buildings/units, complexity, location (e.g., higher in coastal or hurricane-impacted areas), and whether it's a traditional reserve study or a mandated SIRS. Smaller HOAs or simple properties often fall in the $1,500–$5,000 range, mid-sized condos around $3,000–$10,000, and larger or SIRS-required multi-story buildings can reach $5,500–$16,500+. Factors like recent inflation, post-storm urgency, and required engineering/architect involvement increase prices. Always get personalized quotes from qualified providers for accurate, competitive pricing without hidden fees.
What's the difference between a traditional reserve study and SIRS in Florida?
A traditional reserve study is a broad financial planning tool covering all major common elements (e.g., roofs, pools, amenities, landscaping, mechanical systems) with recommendations for funding over 30 years; it's recommended but not always mandatory, and funding can sometimes be waived. The Structural Integrity Reserve Study (SIRS), mandated by Florida law (Chapters 718/719, post-SB 4-D and HB 913 updates) for condos/co-ops with buildings 3+ habitable stories, focuses specifically on structural and safety-related components (e.g., foundations, load-bearing walls, roofs, waterproofing, plumbing/electrical systems affecting integrity). SIRS requires a licensed engineer or architect, must be fully funded (no waivers for those items), emphasizes life-safety, and updates every 10 years minimum. Traditional studies may include SIRS elements but lack the strict legal mandates and scope limitations.
How long does it take to complete a Florida reserve study?
Completion typically takes 4–8 weeks from initial engagement, including scheduling and conducting on-site inspections (physical analysis), gathering financial data, preparing projections, and final report delivery. Timelines vary based on property size, accessibility, number of components, urgency (e.g., compliance deadlines), and provider workload. SIRS studies may take longer due to licensed professional requirements and detailed structural evaluations. Efficient providers often provide a proposal with a tailored timeline within 24–48 hours of contact.
What happens if my condo doesn't have a reserve study?
For condos/co-ops with 3+ story buildings, lacking a required SIRS (or not funding per its recommendations) can result in non-compliance with Florida Statutes (e.g., Chapters 718/719), potential fines or enforcement from DBPR, insurance coverage denial or higher premiums, inability to secure loans, and legal exposure for boards breaching fiduciary duties. Without any reserve study (traditional or SIRS), associations face unexpected large special assessments for repairs, deferred maintenance leading to safety issues or property devaluation, eroded resident confidence, and challenges selling units (buyers demand disclosure of reserve status). Proactive compliance avoids these risks and supports long-term community health.
How often should a reserve study be updated in Florida?
For SIRS (required for condos/co-ops with 3+ habitable story buildings), Florida law mandates a new study at least every 10 years after creation, with the initial deadline extended to December 31, 2025 (per HB 913 updates). Traditional reserve studies (or broader updates) are not statutorily mandated for HOAs but industry standards (e.g., Community Associations Institute) recommend full updates every 3–5 years with site visits, plus annual reviews for inflation, actual expenditures, or changes. More frequent updates help account for Florida-specific factors like storms, material cost increases, or regulatory shifts—consult current statutes or a professional for your association's exact needs.
Can FPAT help with funding strategies after the reserve study?
Yes, providers like FPAT (and similar qualified firms) typically include actionable funding recommendations in their reports, such as full funding plans, baseline options, percentage funding strategies, or alternatives like loans/special assessments (where allowed). They offer guidance on budgeting to build reserves gradually without excessive burden on owners, tailored to Florida's HOA/condo landscape, inflation, and risks. Many provide free resources, consultations, or follow-up services to implement the plan effectively and maintain compliance.
Serving The Entire State Of Florida
FPAT expertly serves Florida’s diverse property landscape, delivering trusted solutions across cities statewide. Use our contact form to get started in your area.
- Port St. Lucie
- Cape Coral
- St. Augustine
- Tallahassee
- Fort Lauderdale
- Pembroke Pines
- Hollywood
- Gainesville
- Fort Myers
- The Villages
- Kissimmee
- Boca Raton
- Melbourne
- Naples
- Delray Beach
- Port Charlotte
- Sarasota
- Boca Raton
- Bradenton
- Ocala
The FPAT Reserve Study Process
- Free Consultation: Discuss your property’s needs and compliance goals with our experts.
- On-Site Inspection: We assess major components, focusing on Florida-specific risks.
- Detailed Reporting: Get a comprehensive report with cost estimates and funding plans.
- Implementation Guidance: We support your board in applying the findings and staying compliant.
We're Available To Have A Conversation
Thank you for considering our company for your property inspection needs. We’re looking forward to hearing from you and about your inspection needs. Please use below links to get in touch with us.
