This video serves as both an example of a reserve study and a detailed, step-by-step guide to help you confidently understand and interpret your own reserve study.
We’ve developed a series of videos designed to help property managers and board members gain a clear understanding of how different cash flow and component funding strategies operate.
Threshold Funding (Reserve Study): A reserve funding strategy where a condo or HOA maintains a reserve account balance above a minimum “threshold” to cover future repairs and replacements. It aims to ensure financial stability by keeping enough funds to handle major expenses without special assessments, while balancing affordability for residents. Often used in Florida to comply with regulations like the Structural Integrity Reserve Study (SIRS).
Baseline Funding (Reserve Study): A reserve funding approach where a condo or HOA maintains just enough funds in the reserve account to cover anticipated major repairs and replacements as they occur, with no surplus. It aims to minimize homeowner contributions while ensuring funds are available for expected expenses, but it carries higher risk of special assessments if unexpected costs arise. Commonly considered in Florida for compliance with reserve study requirements like SIRS.
The 2026 funding mandates are officially in effect. Explore the comprehensive hub for Structural Integrity Reserve Studies (SIRS), covering mandatory funding rules and the 8 statutory components every 3+ story building must track.
Access the SIRS Hub →Don't fall victim to "SIRS Tunnel Vision." Learn the critical differences between legally mandated structural reserves and the traditional studies required to fund your community's lifestyle, aesthetics, and non-structural assets.
Compare Reserve Types →Is your building hitting the 30-year mark? Navigate the mandatory two-phase structural safety inspection process, learn about coastal exceptions, and understand your board's liability under 2026 accountability laws.
Read the Safety Guide →Coming Soon…
Beyond being a legal mandate, a professional appraisal is a financial safeguard. Discover how accurate valuations pay for themselves by eliminating claim penalties, satisfying fiduciary duties, and helping Boards negotiate better carrier terms.
See the ROI →Is your Condo Association compliant? Understand the legal mandate for up-to-date replacement cost valuations and how to protect your Board from personal liability.
View Compliance Guide →Learn how Florida’s co-insurance clauses can lead to slashed claim payouts and personal liability for board members during the 2026 renewal cycle. Understand the math that puts your Association at risk.
Read the Full Guide →Received a low settlement offer? Learn how the appraisal clause works in Florida, the role of the Umpire, and why this binding process is the fastest way to recover your association’s full loss amount.
Learn the Process →Demystifying ACV vs. RCV, Umpire selection, and the “Causation vs. Scope” debate. A technical look at the terms that define your Association’s financial recovery.
Explore the Glossary →Think your HOA is exempt from strict valuation rules? Learn how Chapter 720 governs your duty to insure common areas and why professional RCV appraisals are vital for protecting your Board from liability.
Read the HOA Guide →Underwriters are now auditing HOA “Component Integrity.” Learn how to protect your Board from liability by ensuring clubhouses and monument walls are valued at 2026 labor and material rates.
Read the 2026 HOA Guide →Master the new April 2026 OIR-B1-1802 inspection form. Learn how verified secondary water resistance and proper roof-deck attachments can slash your association’s windstorm premiums by up to 45%.
Unlock Premium Credits →Underwriters are enforcing the “100% Rule” for opening protection in 2026. Compare the passive benefits of impact glass against manual shutters and learn how to secure the coveted A1 mitigation rating.
Compare Protection Types →Coming Soon…
