Structural integrity reserve study

The statute lists the components a SIRS has to address: the roof; the structure, including load-bearing walls and other primary structural members and systems; fireproofing and fire protection systems; plumbing; electrical systems; waterproofing and exterior painting; windows and exterior doors; and any other item whose deferred maintenance or replacement would cost more than the statutory threshold and whose failure would affect one of the items above.

For each one the study has to state the remaining useful life and the estimated replacement or deferred-maintenance cost, and recommend a reserve amount. Unlike the ordinary reserve study, the SIRS components are funded on a mandatory basis once the study is adopted.

Visual inspection performed or verified by a Florida-licensed engineer or architect, or a CAI Reserve Specialist or APRA Professional Reserve Analyst. The inspection is the part that sets the SIRS apart from an ordinary study, so a proposal should name the licensed or certified person who will walk the building and the person who signs the report.

HB 913 (ch. 2025-175) set the SIRS threshold at three habitable stories, raised the non-specified component threshold from $10,000 to $25,000 with CPI indexing, barred SIRS preparers from doing the repairs, and added line-of-credit and pooled-reserve options. 2026 session: SB 722 (Condominium Structural Integrity Reserve Studies) died in committee on March 13, 2026.

Existing unit-owner controlled associations had to complete a SIRS by December 31, 2025; where combined with a milestone inspection, no later than December 31, 2026. Owner-controlled associations may not waive or reduce SIRS reserves for budgets adopted on or after December 31, 2024. The 2026 statute history cites ch. 2026-14 (content not confirmed). A page-one ranking check for 'reserve study florida' was not run.

General information read from the statute, not legal advice; the association's attorney should confirm how the current text applies to your building.