Reserve Study Companies in Colorado
Compare vetted reserve study firms that serve HOAs and condominiums across Colorado. Get multiple proposals for your next reserve study without spending weeks chasing individual quotes.
Reserve study companies for Colorado associations
Colorado communities deal with real weather and real capital projects—freeze–thaw cycles, snow, hail, and high UV that punish roofs, pavement, siding, and decks. Boards and managers need reserve study companies that understand Colorado construction, climate, and CCIOA requirements, not just generic templates.
- Through PropFusion, you can connect with reserve study companies that already work with:
- Single-family HOAs and master-planned communities along the Front Range
- Urban and suburban condominium / townhome associations
- Mountain resort and ski-area communities with heavy snow loads
- Age-restricted and active-adult communities
- Mixed-use and commercial condos in Denver, Boulder, and other metros
Colorado reserve study requirements in plain language
Under the Colorado Common Interest Ownership Act (CCIOA), associations are not required by law to perform a reserve study, but they are required to adopt a written reserve study / reserve fund policy that explains if, when, and how the association will conduct reserve studies and fund reserves.
No statutory mandate for reserve studies
Colorado does not currently require HOAs or condo associations to obtain a reserve study on a set schedule.
A reserve policy is mandatory
CCIOA requires associations to adopt a written reserve study / reserve fund policy as part of their “responsible governance policies.” That policy must address whether the association will perform reserve studies, how often, and how reserves will be funded.
Your documents may be stricter
Even without a state mandate, your declaration, bylaws, or CC&Rs can still require reserve studies or specific funding levels. Boards should review these documents before setting their reserve policy.
Best practice: full study every 3–5 years
Colorado HOA law firms and reserve professionals generally recommend commissioning a full reserve study every 3–5 years, with annual reviews of the funding plan during budget season, even though the statute does not set a fixed interval.
Types of reserve studies Colorado companies provide
Level 1 – Full reserve study
A complete physical and financial analysis: on-site inspection, component inventory, remaining useful life, and a 20–30 year funding plan.
Level 2 – Update with site visit
A refresh of your existing reserve study with a new inspection, updated costs, and revised funding recommendations.
Level 3 – Update without site visit
A financial update that uses your prior study and updated financial data to adjust funding paths between full site inspections.
Special-purpose studies
Targeted analyses when Colorado boards need a focused look at specific systems—such as roofs, siding, decks/balconies, pavement, or clubhouse facilities—outside the normal study cycle.
Colorado coverage – Front Range, mountains, and Western Slope
Reserve study companies in our marketplace serve communities in all major Colorado regions. If your association is anywhere in Colorado, we route your request to providers that already work in your region and understand local weather, access, and construction types.
- Typical areas covered include:
- Front Range metros: Denver, Aurora, Lakewood, Thornton, Westminster, Arvada, Boulder, Fort Collins, Greeley, Longmont, Colorado Springs, Pueblo
- Mountain resort corridors: Summit County (Breckenridge, Frisco), Eagle County (Vail, Avon, Edwards), Routt County (Steamboat Springs), Pitkin County (Aspen/Snowmass), and surrounding ski/second-home communities
- River and Delta communities: FortWestern Slope & southern Colorado: Grand Junction, Durango, Montrose, Glenwood Springs, and nearby towns Smith, Jonesboro, Pine Bluff
When Colorado associations typically hire a reserve study company
Boards and managers in Colorado usually bring in reserve study firms when:
They’ve never had a professional study
The board must adopt or update its reserve study policy under CCIOA and wants a professional study to anchor that policy to real numbers instead of guesswork.
Major projects are coming up
Roofs, siding, windows, decks, retaining walls, pavements, and mechanical systems have taken a beating from Colorado’s climate, and the board wants a 20–30-year plan instead of last-minute special assessments.
Dues have been flat for too long
Assessments have not kept pace with inflation or aging assets, and the board needs to know what it will actually take to “catch up” over the next decade.
At or near developer turnover
A new owner-controlled board wants an independent look at reserves instead of relying on developer budgets and assumptions.
Before financing, refinancing, or big insurance renewals
Lenders and carriers increasingly want to see a professional reserve analysis and credible plan when underwriting risk.
What a Colorado reserve study company delivers
Most firms serving Colorado follow national reserve study standards (CAI / APRA) and align with CCIOA expectations for prudent financial planning. Typical deliverables include:
On-site inspection of major components
Visual review of roofs, waterproofing, structure, exterior finishes, pavement, mechanical systems, amenities, and other shared components.
Component inventory & useful life estimates
A detailed list of common-area components, quantities, remaining useful life, and estimated replacement/repair costs.
30-year funding plan
Year-by-year projections showing recommended reserve contributions, projected expenses, and forecast reserve balances, so you can see the impact of different dues levels over time.
Scenario comparisons
Many providers show alternative funding strategies (steady contributions vs. step increases vs. partial catch-up) so boards can choose the path that fits owner expectations and risk tolerance.
Board-ready PDF report
A report you can attach to budgets, share with owners, and provide to lenders or insurers.
Optional: working file / spreadsheet
Many firms also provide a working spreadsheet you can reference between formal updates.
Online reserve planning workspace
Alongside the PDF report, your reserve study is loaded into an online dashboard where your board can test what-if funding scenarios, see upcoming investment opportunities, and manage capital projects over time.
Compare multiple reserve study companies in Colorado with one request
Share your community details
Tell us about your association’s location, property type, number of units, and any upcoming projects or concerns.
We match you with vetted firms
We route your request to reserve study companies that actively work in your state and fit your size and building type.
Compare proposals side by side
You receive multiple proposals outlining scope, pricing, and timelines so you can compare options without chasing firms yourself.
Hire your preferred provider
You choose the company you want to work with. They perform the study and deliver the report. You keep full ownership of the results and can use them with any budgeting tools or processes you prefer.
What Colorado boards say
“Our mountain community had been putting off a reserve study for years because nobody wanted to chase quotes from firms in Denver and beyond. With PropFusion, we submitted one request and had multiple proposals from vetted providers who actually understand snow loads, steep driveways, and high elevation wear and tear. The board could compare scope, pricing, and experience in one place and pick the firm that best fit our needs and budget.”
“Getting three Colorado based proposals in my inbox within a couple of days was a game changer. We saved weeks of calling around.”
Colorado HOAs and condos have requested proposals through our marketplace.
Vetted reserve study professionals covering communities across Colorado
“PropFusion made our first reserve study update painless and transparent. We finally know what we should be contributing.”
“As a self managed HOA, we do not have in house staff to manage long term planning. PropFusion connected us with a reserve analyst who walked our entire property, explained the report in plain English, and then loaded the numbers into an online tool we can revisit every budget season. It has completely changed how we talk about roofs, asphalt, and clubhouse repairs with owners.”
Frequently asked questions
Are Colorado HOAs legally required to get a reserve study?
No. Under current Colorado law, associations are not required to obtain a reserve study. However, they must adopt a written reserve policy that addresses if and when reserve studies will be performed and how reserves will be funded. In practice, most well-run associations still commission regular studies because the projects and costs are unavoidable, even if the study itself is not mandated.
How often should a Colorado association update its reserve study?
Because there is no statutory schedule, most Colorado HOA attorneys and consultants recommend a full reserve study every 3–5 years, with annual reviews of the funding plan. That cadence keeps your plan realistic as components age, projects are completed, and costs change.
How much do reserve studies typically cost in Colorado?
Costs vary by size and complexity, but many Colorado communities will see full-study proposals somewhere in the low-to-mid four figures, with larger, amenity-heavy or high-rise properties paying more. Industry guidance and marketplace listings suggest a typical range of roughly $2,000–$8,000+, depending on scope.Using PropFusion to request quotes from several Colorado reserve study companies lets your board see where each proposal falls in the real market range.
Do we need a provider physically based in Colorado?
You do not have to work with a firm headquartered in Colorado, but you should choose a company that:
- Actively serves Colorado communities
- Understands Colorado’s climate and construction practices
- Can perform an on-site inspection when required
- Prepares reports aligned with national standards and CCIOA expectations
PropFusion only routes your project to providers that are actually set up to serve Colorado communities.
How does PropFusion help Colorado boards beyond just finding a vendor?
Instead of searching Google, shortlisting vendors, and managing a messy RFP process, you submit one project brief and receive multiple proposals in a comparable format. That saves time, improves pricing transparency, and gives your board a documented, competitive selection process it can point to when owners ask why a particular reserve study company was chosen.
Get proposals from reserve study companies in Colorado
If your board is planning big projects, worried about reserves, or simply wants a clear long-term funding plan, this is the time to bring in a professional reserve study company.
