Florida Condo Board Q4 2026 Calendar: Dec. 31 SIRS, the New Reserve Rule, and Fannie’s Jan. 4 15% Deadline
Florida condo boards are not facing one deadline this season. They are facing a stack: complete any Structural Integrity Reserve Study (SIRS) the statute allowed to run alongside a milestone inspection, no later than December 31, 2026, adopt a 2027 budget under amended Rule 61B-22.005, then sit in front of lenders who will apply Fannie […]
Florida’s New SIRS Rule Took Effect Oct. 4, 2026: What Condo Boards Must Change Before Adopting 2027 Budgets
The statute told Florida condo boards what a Structural Integrity Reserve Study (SIRS) must cover. On October 4, 2026, the Division’s amended Rule 61B-22.005 told them how: which study types count, when an update is mandatory, what paperwork to file, and that the adopted budget must align with the study’s findings. That timing matters. Calendar-year […]
Fannie Mae’s Highest Goal Is Already Live: What Florida Condo Boards Must Fix Before the Jan 2027 15% Rule
Florida boards keep asking one question: “Are we SIRS compliant?” That question matters. It is not the only question that decides whether a unit can close with a conventional loan. For associations that still need to sell units into the GSE market, two rulebooks now run in parallel: Florida’s Structural Integrity Reserve Study (SIRS) and […]
Florida’s Official 2026 SIRS Threshold Is $25,675: A Board Checklist for “Other” Items
If your board packet still says the Florida condo reserve threshold is a round $25,000, you are budgeting off last year’s number—or off an FAQ that never got updated. The Division of Florida Condominiums, Timeshares, and Mobile Homes posts the official inflation-adjusted figure each year. For 2026, that figure is $25,675. For 2025 it was […]
Is Landscaping Covered in a Florida Reserve Study? | FPAT
Is Landscaping Covered in a Florida Reserve Study? | FPAT Is Landscaping Covered in a Florida Reserve Study? What board members and property managers need to know about landscaping, irrigation, and amenities. FPAT Reserve Study Team June 21, 2026 8 min read SCROLL TO READ If you’re a board member or property manager for a […]
2026 SIRS Funding 2026 Florida: What Condo & HOA Boards Must Do Right Now (No Waivers Allowed)
2026 SIRS Funding Mandate: What Florida Condo & HOA Boards Must Do Right Now (No Waivers Allowed) | FPAT 2026 SIRS Funding 2026 Florida Mandate: What Florida Condo & HOA Boards Must Do Right Now (No Waivers Allowed) Primary Keyword: SIRS funding 2026 Florida Published: May 26, 2026 5 minute read Florida Professional Association of […]
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, […]