Essential Guide to Insurance Appraisals for Florida Condos: What Associations Need to Know in 2026

Oceanfront high-rise condo building in Daytona Beach, Florida, showcasing beachfront architecture relevant to Structural Integrity Reserve Studies (SIRS) and condo association planning

Introduction As a condo association board member or property manager in Florida, navigating insurance requirements can feel overwhelming—especially with rising construction costs and post-Surfside reforms. A condo replacement cost valuation” also referred to as a “condo insurance appraisal” process is crucial for determining the replacement cost of your property, helping you secure fair and accurate premiums and comply with Florida statutes. […]