A reserve study is a detailed financial plan that forecasts major repairs and replacements for your community's shared assets, like roofs, pools, and clubhouses—factoring in Florida's harsh weather like hurricanes and floods. In The Villages, with its active retirement lifestyle and potential for storm damage, it's crucial because your insurance company often requires it to maintain coverage. Without one, you risk underfunded reserves leading to surprise costs and unhappy residents. At FPAT, we understand the stress this adds—we've helped countless Florida communities like yours create accurate, compliant studies that bring peace of mind and protect your property's future.

SIRS is a Florida-mandated inspection and funding plan for structural components in condos three stories or taller, introduced after the Surfside tragedy to ensure safety against issues like corrosion or foundational weaknesses. While most homes in The Villages are single-story, it applies to any qualifying multi-story buildings, requiring deadlines for compliance to avoid penalties. It's not fair to navigate this regulatory maze alone, especially with Florida's climate risks. As your local guide, FPAT specializes in SIRS alongside traditional reserve studies, delivering tailored reports that meet state laws and give you confidence in your community's structural integrity.

FPAT isn't just another provider—we're Florida natives with 20+ years of experience, deeply familiar with The Villages' unique needs, from golf-cart paths to amenity-rich HOAs. We empathize with the overwhelm of insurance demands and evolving laws, and our authority shines through customized studies that account for local weather and regulations. Unlike national firms, we offer a simple plan: Contact us to share your challenges, get a personalized proposal in 3-5 days, and receive a comprehensive report that secures your funding. Choose FPAT to transform from stressed to empowered, ensuring no nasty surprises for your residents.

Ignoring it could spell disaster: Your insurance might deny coverage, leaving you vulnerable to Florida's storms without protection. Underfunded reserves mean emergency repairs—like a flooded clubhouse—trigger special assessments, sparking resident complaints and damaging your reputation. Plus, SIRS non-compliance invites state fines or legal issues, piling on unfair stress. Don't let this happen—FPAT helps you avoid failure by providing expert studies that lock in compliance and financial stability, so you can focus on leading a thriving community instead of putting out fires.

It's straightforward—contact FPAT today via phone, email, or our form to discuss your property's needs and insurance pressures. We'll listen with empathy, then deliver a tailored proposal within 3-5 days, outlining how we'll handle inspections and reporting. Finally, you'll get a solid reserve study (including SIRS if applicable) that meets all requirements. Start small by downloading our free guide, "Navigating SIRS and Reserve Studies in The Villages," for immediate insights. Take action now to go from overwhelmed by regulations to confidently safeguarding your community's future—FPAT has your back.