Reserve Studies:
Expert Solutions for Florida Properties
Comprehensive Planning for Condos and HOAs









What is a Reserve Study?
A reserve study is a financial planning tool that evaluates a property’s major components—think roofs, HVAC systems, and structural elements—and estimates the costs for future repairs or replacements. It’s your community’s long-term budget, ensuring funds are available when needed, without the burden of unexpected special assessments.
For instance, imagine a condo association in Miami with a roof exposed to saltwater corrosion. A reserve study assesses the roof’s condition, predicts its remaining lifespan, and calculates the replacement cost, empowering the association to plan proactively.
In Florida, reserve studies are critical due to:
- Environmental Risk: Hurricanes and saltwater corrosion accelerate component wear.
- Aging Properties: Many Florida buildings require frequent maintenance.
- Regulatory Mandates: SIRS laws for condos and HOAs demand robust reserve planning. FPAT’s reserve studies are tailored to Florida’s unique challenges, providing clear, actionable funding plans.
Our Simple 3-Step Plan
01

Get a Custom Proposal
Receive a tailored quote in 24 hours.
02

Schedule Your On-Site Inspection
Meet with an FPAT Expert to assess your property needs
03

Implement with Confidence
Team up with us to secure your community.



Why Reserve Studies Are Vital in Florida
Florida’s properties face unique pressures:
- Climate Challenges: Storms and humidity damage roofs, exteriors, and structural systems.
- Regulatory Compliance: Post-2021 Champlain Towers South, SIRS mandates reserve studies for condos three stories or taller by December 31, 2024, with no reserve waiving in 2025.
- Financial Stability Without a reserve study, associations risk budget shortfalls and resident dissatisfaction.
FPAT’s expertise ensures your property meets compliance requirements and remains financially secure, protecting both value and safety.
Our Reserve Study Services
FPAT offers a range of reserve study services:
- Traditional Reserve Studies: 30-year funding plans for condos, HOAs, and commercial properties.
- Structural Integrity Reserve Studies (SIRS): Compliance-focused for Florida condos, covering load-bearing walls, roofs, and more.
- Reserve Study Updates: Keep plans current with inflation, labor costs, and deterioration rates.
- Consultation and Support: Ongoing guidance to ensure success. Explore our Florida-specific services or request a proposal to get started.


Legal Requirements for Reserve Studies in Florida
Florida law mandates reserve studies for condominiums and cooperatives under Chapter 718 and Chapter 719, respectively. Key regulations include:
- Structural Integrity Reserve Study (SIRS): Mandatory for condos and co-ops three stories or taller, focusing on critical components like load-bearing walls, roofs, and foundations.
- Annual Reserve Funding: Associations must fund reserves for major repairs, with no option to waive or reduce funding for structural components as of December 31, 2024.
- Reporting Deadlines: A SIRS must be completed by December 31, 2024, and updated every 10 years.
Non-compliance risks legal penalties and financial instability. FPAT ensures your reserve study meets all state requirements, keeping your property compliant and secure.


Imagine the Peace of Mind
“With FPAT, you’ll have a compliant Florida condo reserve study, a solid financial plan, and confidence your property is safe.”
“Your community will appreciate your proactive leadership.”
Get Your Free Florida Compliance Checklist
Our checklist covers
Hear From Our Clients
Expert services tailored to Florida’s unique property regulations helping you stay compliant, protected, and prepared.
Having worked with this company for so many years, I cannot say enough good things about them. I am giving them an excellent rating from my perspective as a community association manager.
Kelly Kerr
Verified Review
Great professional service and we had our wind mitigation report within 24 hours. Our inspector James was very courteous. We had a very hard time finding someone who was willing to do an inspection of just our unit and were so thankful to have found FPAT. Highly recommended!
Erin Martinez
Verified Review
Highly recommend Brad and his team! They are professional and responsive and do a comprehensive analysis. They make themselves available to answer questions and ensure the client is satisfied with the product!
Leslie Bermudez
Verified Review
Ian was prompt, professional and flexible with scheduling. He performed a thorough inspection and I received the report in my email in less than 24 hours. He made the entire process very simple. Thanks!
Howard Bever
Verified Review
I had the pleasure of working with James Sheets. He was professional and knowledgeable and thoroughly explained every aspect of his report. I would highly recommend Felton Professional Adjustment.
Larry Cabrera
Verified Review
Get Your Free Reserve Study Checklist
Our checklist covers everything you need to know, including:
- Understanding reserve studies
- Florida-specific requirements
- SIRS compliance tips
- And more
How FPAT Can Help
With decades of experience in Florida’s property landscape, FPAT delivers:
- Tailored Assessments: We analyze your property’s unique risks, from coastal corrosion to hurricane exposure.
- SIRS Expertise: Our certified team ensures compliance with Florida’s SIRS requirements.
- Clear Reporting: Receive detailed, actionable reports with cost projections and funding strategies.
- Ongoing Support: We guide your board through implementation, simplifying compliance.
Based in Safety Harbor, our team understands Florida’s challenges intimately, providing solutions that safeguard your property and community.




Getting A Proposal, How Does It Work?
All proposals are provided at no charge and can be requested from your computer, tablet or phone by completing one of our simple online forms. Once the information is received we will utilize aerial imaging software to assess your property and provide an accurate proposal. In most cases a formal proposal will be prepared and emailed to you within 24 hours. Simply click the link below, it only take 5 minutes!
Serving The Entire State Of Florida
FPAT expertly serves Florida’s diverse property landscape, delivering trusted solutions across cities statewide.
- Port St. Lucie
- Cape Coral
- St. Augustine
- Tallahassee
- Fort Lauderdale
- Pembroke Pines
- Hollywood
- Gainesville
- Fort Myers
- The Villages
- Kissimmee
- Boca Raton
- Melbourne
- Naples
- Delray Beach
- Port Charlotte
- Sarasota
- Boca Raton
- Bradenton
- Ocala
The FPAT Reserve Study Process
- Free Consultation: Discuss your property’s needs and compliance goals with our experts.
- On-Site Inspection: We assess major components, focusing on Florida-specific risks.
- Detailed Reporting: Get a comprehensive report with cost estimates and funding plans.
- Implementation Guidance: We support your board in applying the findings and staying compliant.

We're Available To Have A Conversation
Thank you for considering our company for your property inspection needs. We’re looking forward to hearing from you and about your inspection needs. Please use below links to get in touch with us.