Ensure Your Condo’s Safety Safety and Compliance with Expert SIRS in Florida
FPAT provides comprehensive Structural Integrity Reserve Studies tailored to Florida’s regulations, including HB 913 updates.
What is a Structural Integrity Reserve Study (SIRS)?
A Structural Integrity Reserve Study (SIRS) is a comprehensive assessment required for Florida condominiums and cooperative buildings three stories or taller. It evaluates critical structural components—such as roofs, load-bearing walls, foundations, and electrical systems—to determine their condition and remaining useful life. The study provides a reserve funding schedule to ensure your association has the funds needed for future repairs or replacements, preventing unexpected costs.
Why SIRS Matters
Safety First: Protects residents by identifying potential structural issues before they become dangerous, a priority since the 2021 Surfside condo collapse.
Financial Planning: Ensures your association is prepared for major repairs, avoiding financial strain or special assessments.
Compliance: Meets Florida’s legal requirements, keeping your insurance company satisfied and your board out of legal trouble.
Our Simple 3-Step Plan
Contact Us
Reach out via phone or email to discuss your property’s needs. Our Florida-based team understands local challenges, from hurricanes to regulatory demands.
Tailored Proposal
Within 3-5 days, we’ll provide a customized plan addressing your building’s unique requirements and Florida’s laws, including HB 913 updates.
Comprehensive Study
Our licensed engineers conduct thorough inspections of critical components, delivering a detailed report with a clear reserve funding schedule that ensures compliance and financial stability.
Why Choose FPAT?
- Local Expertise: As Florida natives, we know the state’s weather risks, HOA nuances, and regulatory landscape inside out.
- Compliance Guaranteed: Our SIRS meet all state requirements, including SB 4-D and HB 913, ensuring your insurance and legal obligations are covered.
- Peace of Mind: Avoid surprise repair costs, legal penalties, and resident complaints with a solid financial plan.
- Trusted Service: Countless Florida condo boards rely on FPAT for accurate, actionable reserve studies that protect their communities.
Get Started with Your SIRS Today
Don’t let insurance demands or Florida’s regulations keep you up at night. With FPAT, you’ll have a trusted partner to guide you through the SIRS process, ensuring your condo is safe, compliant, and financially prepared. Contact FPAT today to schedule your Structural Integrity Reserve Study in Florida, or download our free guide, Understanding Florida’s Reserve Study Requirements, to get started.
Ordered List:
Contact Us: Reach out via phone or email to discuss your property’s needs. Our Florida-based team understands local challenges, from hurricanes to regulatory demands.
Tailored Proposal: Within 3-5 days, we’ll provide a customized plan addressing your building’s unique requirements and Florida’s laws, including HB 913 updates.
Comprehensive Study: Our licensed engineers conduct thorough inspections of critical components, delivering a detailed report with a clear reserve funding schedule that ensures compliance and financial stability.
Understanding Florida’s SIRS Requirements and HB 913 Updates
Following the Surfside collapse, Florida passed laws like SB 4-D to mandate SIRS for buildings three stories or taller. HB 913, signed into law on June 24, 2025, and effective July 1, 2025, introduces key changes to ease compliance while maintaining safety standards.
For more details on reserve studies, check Condo Control’s guide to reserve study requirements.
Key HB 913 Provisions
Key HB 913 Provisions | Details |
|---|---|
Extended Deadline | SIRS completion deadline extended to December 31, 2025, giving associations more time to comply. |
Funding Flexibility | Associations with a milestone inspection in the past two years can pause or reduce reserve contributions for up to two consecutive budgets (until December 31, 2028), with majority vote approval. |
Alternative Funding | Reserves can be funded through regular assessments, special assessments, lines of credit, or loans, with majority vote approval for the latter three. |
Reporting Requirements | Within 45 days of receiving a SIRS, associations must submit an online form to the DBPR and share the study with unit owners, with an officer or director signing an affidavit. |
Conflict of Interest Rules | Prohibits SIRS providers from having financial interests in repairs to prevent collusion. |
Florida’s Unique Challenges
Florida condos face distinct risks that demand a tailored reserve study:
- Hurricane Vulnerability: The city’s coastal location increases wind and storm surge risks, with 2024 storms causing 18% higher repair costs than the state average, per insurance data.
- Saltwater Corrosion: Condos in areas like Galt Ocean Mile face rebar and concrete deterioration, reducing lifespans by 25%, per Florida engineering studies.
- Aging Infrastructure: Over 45% of Floridas condos are 30+ years old, requiring robust maintenance plans, per 2025 market reports.
- Regulatory Pressure: Florida’s SIRS mandate affects 75% of Fort Lauderdale’s high-rise condos, with non-compliance risking $15,000 fines, per Chapter 718.
FPAT’s inspections and funding plans address these challenges, ensuring your condo is prepared. Learn more about Florida Statutes Chapter 718.
Frequently Asked Questions
What’s the difference between a traditional reserve study and a SIRS?
How often is a SIRS required?
What happens if we don’t comply?
How does HB 913 affect my association?
Benefits of a Reserve Study with FPAT
A Florida-specific reserve study delivers:
- SIRS Compliance: Meet Florida’s 2024 deadline, avoiding fines and ensuring safety.
- Financial Stability: Prevent special assessments, as outlined in our Avoiding Special Assessments Guide (/blog/avoiding-special-assessments-florida-condos).
- Property Protection: Maintain value and functionality in Florida’s competitive market.
- Resident Satisfaction: Transparent planning keeps owners happy and confident.
These benefits secure your condo’s future and your reputation as a leader.
What Our Clients Say
– Jane D., Board President, Las Olas Condo
Secure Your Association’s Future with FPAT
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Hear From some of Our Florida Clients
Expert services tailored to Orlando Florida’s unique property regulations helping you stay compliant, protected, and prepared.
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