Florida's Reserve Study Insurance Appraisal Experts
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.
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
01
Get a Custom Proposal
Receive a tailored quote in 24 hours.
02
Schedule Your On-Site Inspection
Meet with an FPAT Expert to assess your property needs
03
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.”
“Your community will appreciate your proactive leadership.”
Get Your Free Florida Compliance Checklist
Our checklist covers
- SIRS requirements HB 913
- Reserve study updates
- HOA Reserve Study
- Insurance tips
- And more
Hear From Our Clients
Expert services tailored to Florida’s unique property regulations helping you stay compliant, protected, and prepared.
2026 LEGISLATIVE UPDATE
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.
A Florida reserve study provides a 30-year financial roadmap for major repairs. Under current regulations, the
DBPR Reserve Threshold for 2026
has been adjusted to $25,675 for non-structural items, requiring high-precision professional evaluation.
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
Our checklist covers everything you need to know, including:
- 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
Who can do a reserve study in Florida?
In Florida, reserve studies—particularly Structural Integrity Reserve Studies (SIRS) required for condos three stories or taller—must be performed by licensed professionals. Specifically, the visual inspection component of a SIRS needs to be conducted by a licensed architect or engineer qualified under Florida Statute 553.899. Traditional reserve studies (non-SIRS) can be handled by certified reserve specialists, but for compliance with HB 913 and SIRS mandates, sticking with licensed engineers or architects ensures accuracy and avoids penalties. At FPAT, our team includes these experts, combining local knowledge with rigorous standards to deliver compliant studies that protect your community from financial surprises.
What is the deadline for completing a SIRS in Florida?
For unit owner-controlled condo associations existing on or before July 1, 2022, the SIRS must be completed by December 31, 2025. If your building requires a milestone inspection by December 31, 2026, you can align the SIRS with it, but no later than that date. HB 913 (effective July 1, 2024) provides some extensions and flexibilities, like updated funding rules, but non-compliance risks insurance denials, fines, or legal issues. Don't wait—FPAT can get you started with a tailored proposal in 3-5 days to beat the deadline and secure peace of mind.
What is the difference between a SIRS and a traditional reserve study?
A traditional reserve study focuses on budgeting for long-term repairs and replacements of common elements, like roofs or pools, to prevent special assessments. A SIRS, mandated by Florida law post-Surfside collapse, is more targeted: it's a visual inspection-based tool that identifies structural components (e.g., foundations, load-bearing walls) and ensures reserves for their maintenance, excluding items with 25+ years of useful life unless deferred maintenance is needed. SIRS can't be waived for budgets after December 31, 2024. FPAT handles both, integrating Florida's hurricane risks and regulations for a comprehensive plan that keeps your property safe and compliant.
What qualifications should I look for in a reserve study provider?
Seek providers with licensed architects or engineers on staff, experience in Florida's condo/HOA laws (like SIRS and HB 913), and a track record of local projects. They should offer clear reports, inflation-adjusted funding plans, and quick turnarounds. Avoid generic firms—choose Florida experts who understand coastal corrosion and storm prep. FPAT checks all boxes: We're Sunshine State locals with proven authority, helping boards like yours avoid stress and achieve financial stability.
How can FPAT help with my Florida reserve study?
We're your guide through the chaos: Start by contacting us to share your concerns—we empathize with the pressure from insurance and regulations. We'll provide a custom proposal in 3-5 days, conduct the on-site inspection, and deliver a compliant reserve study (SIRS or traditional) that funds your property's future. Avoid failure like penalties or underfunded repairs—choose success with FPAT for peace of mind and a transformed role from overwhelmed to confident leader. Ready? Get your free Florida Compliance Checklist or schedule a call today.
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.
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.
