Structural integrity reserve studies (SIRS): what they cover and when
A structural integrity reserve study tells a condominium association what its building's major components will cost to repair and replace, and how much it must set aside - and since 2024 those reserves can no longer be waived.
Which buildings
Each residential condominium building three habitable stories or higher. Smaller buildings, and one- to four-family dwellings of three or fewer habitable stories, are excluded.
What it covers
- Roof
- Structure, including load-bearing walls and other primary structural members
- Fireproofing and fire protection systems
- Plumbing
- Electrical systems
- Waterproofing and exterior painting
- Windows and exterior doors
- Any other item over $25,000 (adjusted for inflation) whose failure would harm the items above
When
At least every ten years. Associations controlled by unit owners that existed on July 1, 2022 had a first-study deadline of December 31, 2025. A recent milestone inspection can stand in for the study's visual inspection, and an association due for both may do them together.
Who may do it
A Florida-licensed engineer or architect, or a certified reserve specialist or professional reserve analyst.
Money
For budgets adopted on or after December 31, 2024, an association required to have a study may not vote to fund less than the study's reserves for these items, and those reserves may be used only for them. Narrow exceptions exist, such as a temporary pause approved by a majority of all voting interests.
Telling owners and the state
Within 45 days of receiving the study the association gives owners a copy (or tells them it is available) and files a statement with the state saying it was completed.
Deadlines, filings and reserve-study status for every association you manage, in one place, updated each morning.
Source: Florida Statutes, section 718.112(2)(g) (2026). General information, not legal advice. Requirements vary by jurisdiction and change; confirm with your building official.
Also: Florida milestone inspections: who, when and what happens next · County building recertification (the "40-year" program)