Florida Condo & HOA Insurance Appraisals: Ensure 718.111 Compliance & Protect Your Bottom Line
USPAP-compliant replacement cost valuations designed to satisfy Florida carriers and stabilize your association's premiums in 2026.
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.
Quickly Estimate Tool
Use this free tool to quickly estimate replacement costs for your Florida condo building under § 718.111(11) for hazard insurance compliance. Select your construction type (e.g., Frame ISO 1 or Reinforced Concrete ISO 6) and enter gross floor area to get ranges for Average and Premium quality levels—based on January 2026 market data.
Ideal for associations in Tampa, St. Petersburg, or statewide preparing for SIRS inspections (HB 1021) or wind mitigation credits (Form OIR-B1-1802). Results are informational only; for accurate appraisals, contact FPAT for a free 24-hour proposal at fpat.com.
Insurance Replacement Cost Calculator
Florida Condominium Replacement Cost Estimator
Estimate replacement costs for Florida condominium buildings governed by § 718.111(11) for hazard insurance compliance. Estimates are for informational purposes only.
Moving Beyond "Standard" Appraisals: Protecting Your Association’s Budget
In today’s volatile Florida insurance market, a generic property valuation is a liability. Many boards are surprised to find their insurance applications rejected or their premiums skyrocketing because their appraisal used "New Construction" data. At FPAT, we specialize in Reconstruction Cost Valuations (RCV)—the specific methodology required to satisfy modern insurance demands and protect your community's financial health.
Condo Insurance Appraisal Florida 2026 Guide
Beyond "Standard" Appraisals: The Reconstruction Advantage
Most appraisers use "New Construction" data. We use Reconstruction Methodology—the gold standard required by Florida insurance underwriters in 2026.
Standard Appraisals
Often used for real estate sales or new developments.
- Uses "Ideal Condition" labor rates.
- Ignores demolition & debris removal.
- Based on vacant lot accessibility.
- Risk: Policy rejection or high premiums.
FPAT STANDARD
Reconstruction (RCV)
Designed specifically for Florida Associations & Underwriters.
- Factors in Post-Storm "Demand Surge."
- Includes Site Demolition & Clearing.
- Accounts for 2026 FL Building Codes.
- Benefit: Preferred Risk Status with Carriers.
What is the "Florida Factor"?
Rebuilding in an established Florida community after a catastrophe involves logistics that standard contractors ignore. We account for post-disaster labor spikes and limited site accessibility to ensure your Association is never under-insured.
Why "Standard" Quotes Often Fall Short
A standard residential appraisal tells you what a building is worth on a good day. A Reconstruction Appraisal tells you what it costs to rebuild after a disaster. Carriers now demand the latter because rebuilding in an established Florida community is significantly more complex (and expensive) than building on a vacant lot.
"Florida Factor"
Accounting for Reality
When we calculate your Association’s value, we don’t just look at sticks and bricks. We factor in the “Florida Factor”—the real-world costs that prevent massive special assessments after a storm:
Post-Catastrophe Surge Pricing
We account for the spike in labor and material costs that inevitably follows a Florida hurricane.
2026 Code Compliance
We ensure your valuation includes the cost of rebuilding to the latest, most stringent Florida Building Codes—including mandated structural and wind-mitigation upgrades.
Site Accessibility
Rebuilding in a dense condo corridor or a gated HOA requires specialized logistics that standard appraisals ignore.
Demolition & Debris Removal
A major expense often left out of "new build" estimates, but required by every insurance carrier.
Your Path to an "Approvable" Risk
By providing your insurance broker with an FPAT Reconstruction Report, you aren’t just checking a compliance box. You are presenting your Association as a “Preferred Risk.” This level of detail gives underwriters the confidence they need to offer more competitive rates, helping you stabilize your budget in a challenging year.
5 Essential Items to Have Ready Before Your Agent Goes to Market
- Prepare Before the Next Storm
Florida Experts
Need more help?
We’re experts in Florida condo insurance appraisals and help boards like yours every day.
Florida’s Insurance Chaos Is a Nightmare
Insurance appraisals in Florida are brutal—complex laws, hurricane risks, and tricky policies make it feel like a maze with no exit. Get it wrong, and you’re overpaying premiums or underinsured when disaster hits, leaving your community exposed.
Our Simple 3-Step Plan Insurance Appraisal Service
01
Schedule a Consultation
Book a quick call to discuss your needs.
02
Get a Custom Proposal
Receive a tailored plan in 24 hours.
03
Get an Insurance Appraisal
Get a compliant report to secure coverage.
Don’t Risk It—Act Now
Choose the wrong provider, and you’re non-compliant or underinsured. Skip it, and face fines, loan denials, or angry residents. With Florida’s hurricane season starting June 1, the stakes are too high to gamble.
A Secure, Confident Community
With FPAT, insurance appraisal services ensures fair premiums and full coverage. Your community stays safe and financially sound—even when storms strike.
Ready to Simplify Your Appraisal? Let’s Get Started.
With FPAT, your appraisal ensures fair premiums and full coverage. Your community stays safe and financially sound—even when storms strike.”
Florida Condo Insurance Appraisal Services Success
Expert services tailored to Florida’s unique property regulations helping you stay compliant, protected, and prepared.
Serving The Entire State Of Florida
Insurance Appraisal Services
- Jacksonville
- Hialeah
- Tallahassee
- Fort Lauderdale
- Port St. Lucie
- Cape Coral
- Gainesville
- St Petersburg
- Pembroke Pines
- Daytona Beach
- Lakeland
- Miramar
- Boca Raton
- Coral Springs
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.
