Fannie Mae Condo Reserve Requirements 2026 Florida | FPAT
Talk to an expert 866.568.7853 It is a confusing time to serve on a Florida condo board. You are likely hearing two different stories about how much money you need to save for repairs. One story comes from Florida state law, and the other comes from the new Fannie Mae condo reserve requirements 2026 Florida […]
Naples Condo Insurance Appraisals & SIRS Compliance 2026 | FPAT
Managing a luxury condominium or HOA along the Gulf Coast comes with an immense fiduciary duty. In Naples and throughout Collier County, the combination of intense weather events, rising insurance premiums, and the strict legislative changes following Surfside means board members cannot afford to be under-prepared. As the Lead Consultant for the Felten Property Assessment […]
Miami Condo Insurance Appraisals & SIRS Compliance 2026 | FPAT
Navigating Statutory Compliance 2026: The intersection of SIRS, HB 913, and your required Replacement Cost Valuations for Miami Condos. 2026 Guide to Condo & HOA Insurance Appraisals in Miami: Statutory Compliance & SIRS Managing a condominium or HOA in Miami comes with a unique set of challenges. Between volatile weather patterns, skyrocketing insurance premiums, and […]
Insurance Appraisal Worth It?
Talk to an Expert 866.568.7853 Is an Insurance Appraisal Worth It for Florida Associations? Evaluating the ROI of Professional Property Valuations in 2026 Is an insurance appraisal worth it? Yes. An insurance appraisal also known as a Replacement Cost Valuation is worth it because it ensures your property is accurately valued to full replacement cost, […]
HOA Insurance Appraisals | Chapter 720 Compliance Guide
Talk to an Expert 866.568.7853 HOA Insurance Appraisals: Navigating Florida Chapter 720 Understanding Valuation Requirements for Florida Homeowners’ Associations While Florida Statute 718.111 provides a very specific “36-month clock” for Condominiums, the rules for Homeowners’ Associations under Florida Statute Chapter 720 are often viewed as more flexible. However, this flexibility can be a trap for […]
ACV vs RCV & Insurance Appraisal Terms
Talk to an Expert 866.568.7853 Technical Terms in Association Insurance & Appraisal A Professional’s Glossary for Florida Chapter 718 & 720 Compliance In the complex world of Florida property insurance, the difference between a full recovery and a major budget shortfall often comes down to a few technical definitions. For Board members and Property Managers, […]
How the Insurance Appraisal Process
Talk to an Expert 866.568.7853 Disputing an Insurance Settlement? A Guide to the Appraisal Process Understanding the Appraisal Clause for Florida Condo & HOA Boards When a Florida Association receives a settlement offer after a hurricane or major loss that doesn’t cover the true cost of repairs, the Board often feels stuck. However, most commercial […]
Florida Statute 718.111
Talk to an Expert 866.568.7853 Statutory Insurance Appraisals: Navigating the 36-Month Rule A Board Member’s Guide to Florida Statute 718.111(11) Compliance For Florida Condominium Associations, an Insurance Appraisal (Replacement Cost Valuation) isn’t just a best practice—it is a legal mandate. Under Florida Statute 718.111(11), associations are required to update their replacement cost valuations at least […]
The Co-Insurance Trap
Talk to an Expert 866.568.7853 The Co-Insurance Trap: Why a Low Valuation is a Board’s Biggest Financial Risk By the Felten Property Assessment Team | February 2026 In an era of skyrocketing insurance premiums, it is tempting for a Florida Condo or HOA Board to look for “wiggle room.” Some Boards believe that by slightly […]
Insurance Appraisals Near Fort Lauderdale: Florida Costs, Process & Worth | FPAT
Overview Insurance appraisals near Fort Lauderdale are essential for homeowners, condo associations, and HOAs to ensure accurate property valuation and adequate insurance coverage, especially under Florida Statute §718.111(11)(a), which requires independent replacement cost evaluations every 36 months for condos. With Broward County’s coastal risks like hurricanes and flooding, plus rising construction costs (up 10-20% recently), […]
Condo Insurance Appraisals in Orlando: Guide to Florida Compliance & Coverage | FPAT
FPAT 📞 866.568.7853 Book a Quick Quote Orlando’s Trusted Appraisal Partner Protect Your Community’s Financial Future Whether you’re in Lake Nona, Dr. Phillips, or Downtown Orlando, you’re the guardian of safety. We help you navigate the maze of Florida Statute §718.111(11)(a) with ease and precision. Request a Free Consultation ★ Industry Trusted & Fully Compliant […]
How Often Should a Florida HOA Get a Reserve Study? A 2026 Guide
As a reserve study expert with over 20 years focused exclusively on Florida community associations at Felten Property Assessment Team (FPAT), I’ve watched too many HOAs get blindsided. Picture this: A St. Petersburg HOA gets hit by Hurricane Milton’s storm surge in 2024, then discovers their aging seawall needs $150,000 in immediate repairs. Special assessments […]