SIRS-Exempt Doesn’t Mean Reserve-Exempt: A 2026 Reserve Playbook for Florida’s 1–2 Story Condos
If your condominium is only one or two stories, you’ve probably heard some version of this: “We’re exempt from SIRS, so reserves aren’t a big deal anymore.” That sentence is half true—and it’s how low-rise associations walk into special assessments, failed sales, and fiduciary headaches. Under Florida law, buildings under three habitable stories are generally […]
The Ultimate Guide to Community Association Reserve Studies
Discover how an association reserve study protects property values and prevents special assessments with expert guidance.
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 […]
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 […]
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 […]
Structural Integrity Reserve Study vs. Milestone Inspection: Essential Guidance for Florida Condo Boards in 2026
As a board member or property manager of a Florida condominium or cooperative association, you’re responsible for safeguarding your community’s safety, financial health, and regulatory compliance amid evolving laws and environmental challenges. With Florida’s unpredictable weather—hurricanes, coastal erosion, and flooding—combined with post-Surfside mandates, the goal is proactive management that avoids surprises like insurance denials, emergency […]
The Complete Guide to Florida Reserve Study Requirements for Condos and HOAs in 2025
You’re a dedicated board member of a vibrant Miami condo association, pouring your energy into keeping your community thriving—planning events, resolving resident concerns, and ensuring everything runs like clockwork. But then, an email from your insurance company lands like a thunderbolt: “Submit a current reserve study, or your coverage is at risk.” Suddenly, you’re staring […]
Navigating Florida’s New HB 913: Steps for Condo Boards and Managers to Stay Compliant and Stress-Free
As a board member or property manager of a Florida condo or HOA, you’re not just managing properties—you’re safeguarding your community’s safety, financial health, and compliance in a state known for its hurricanes, floods, and ever-changing regulations. What you really want is to handle demands like the new HB 913 without losing sleep, overspending, or […]
How to Find the Right Capital Reserve Study Company in Florida
Schedule Your Reserve Study Now Download Our Free Florida Guide A Simple Plan to Find and Hire the Right Capital Reserve Study Company Don’t let overwhelm win. Follow this straightforward process: Research Local Options: Search for “reserve study companies in Florida” or your city, like “reserve study company in Miami.” Compile a list serving your […]
How Tampa’s Climate Affects Your Condo Reserve Study
Request a Free Consultation Download Our Reserve Study Guide Tampa’s vibrant condo market—spanning downtown high-rises to Bayshore Boulevard’s waterfront communities—faces unique challenges: hurricanes battering roofs, aging structures needing repairs, and Florida’s strict Structural Integrity Reserve Study (SIRS) regulations demanding compliance. As a condo board member or property manager, you’re tasked with keeping your community safe, […]
HB 913 Update for 2025: How Gainesville’s Unique Weather Affects Your Condo Reserve Study Costs in Florida
As a board member or property manager for a Gainesville condo or HOA, you’re the one everyone counts on to keep the community safe, finances in check, and everything running smoothly. What you really want is to handle your state’s demand for a reserve study without the endless worry, high expenses, or missteps. Picture this: […]
HB 913 2026 Updates: Florida Weather Impacts on SIRS Reserve Costs & Compliance
As a board member or property manager of a Florida condo association, you’re not just managing a building—you’re safeguarding a community. You want to keep everything running smoothly, meet your insurance demands without drama, and ensure your property stands strong against hurricanes and regulations. But with HB 913 now fully in effect since July 1, […]