Reserve Study Companies in Florida
Compare vetted reserve study firms across Florida and get multiple proposals for your HOA or condominium - traditional reserve studies, Structural Integrity Reserve Studies (SIRS), and funding updates from one simple request.
Reserve study companies for Florida HOAs and condos
Florida communities are under more pressure than ever to plan for major repairs and stay compliant with new laws. Through PropFusion, you can connect with reserve study companies that specialize in Florida’s climate, construction types, and regulations.
- Our Florida partners serve:
- Condominium associations (including high-rise coastal buildings)
- Homeowners associations and master-planned communities
- Townhome and villa communities
- Mixed-use and resort communities
- Timeshares and vacation ownership communities
Florida reserve study & SIRS requirements in plain language
Florida law now goes far beyond “nice-to-have” planning. For many condos and co-ops, Structural Integrity Reserve Studies (SIRS) and stricter funding rules are mandatory, with enforcement tied directly to your annual budget and board fiduciary duties.
Who is covered
Residential condominium and cooperative buildings three stories or higher must complete a Structural Integrity Reserve Study (SIRS) and keep reserves for specific structural components.
Frequency
SIRS for qualifying condos/co-ops must be completed and then updated on a recurring cycle (at least every 10 years), and your budgets must align with the most recent study.
Funding rules
Boards cannot waive or reduce funding for SIRS components—those reserves must be funded according to the latest SIRS.
Traditional reserve studies
HOAs and lower-rise condos still rely on traditional reserve studies to plan 20–30 years of major repairs (roofs, paving, exteriors, amenities) and to avoid special assessments and insurance issues.
Types of reserve studies Florida 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.
Structural Integrity Reserve Study (SIRS)
A Florida-specific study focused on critical structural components (e.g., foundations, load-bearing elements, waterproofing, roofs, primary structural systems) for eligible condo and co-op buildings, with strict funding requirements attached.
Reserve study companies for Florida HOAs and condos
Florida communities are under more pressure than ever to plan for major repairs and stay compliant with new laws. Through PropFusion, you can connect with reserve study companies that specialize in Florida’s climate, construction types, and regulations.
- Typical areas covered include:
- South Florida: Miami, Fort Lauderdale, West Palm Beach, Boca Raton, Naples
- Central Florida: Orlando, Tampa, St. Petersburg, Lakeland, Daytona Beach
- North Florida: Jacksonville, Tallahassee, Gainesville
- Panhandle & Gulf Coast: Pensacola, Destin, Panama City, Sarasota, Fort Myers
When Florida associations typically hire a reserve study company
Boards in Florida usually bring in a reserve study firm when:
SIRS or reserve deadlines are approaching
Your condo/co-op building is hitting a structural inspection or SIRS deadline and the board needs compliant documentation.
It’s time for the next cycle
You’re coming up on the 3-year review / 10-year structural cycle and want updated costs and funding paths before adopting a new budget.
After major projects or hurricanes
You’ve just completed a roof replacement, concrete restoration, paving, or other large project and need to re-baseline reserves.
At turnover from developer to owners
The community is shifting control, and owners want an independent review of reserves and long-term funding gaps.
Before financing or insurance reviews
Lenders, buyers, or carriers are asking for up-to-date reserve and SIRS documentation as part of their risk assessment.
What a Florida reserve study company delivers
While formats differ by firm, most Florida reserve study companies provide:
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 reserve balances.
SIRS-specific schedule (where required)
For applicable condos/co-ops, a separate Structural Integrity Reserve Study section that maps out required funding for structural components.
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.
How PropFusion connects you with Florida reserve study companies
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.
Types of reserve studies Florida companies provide
“Using the marketplace, we went from chasing vendors for weeks to reviewing three Florida-based proposals in just a few days. The side-by-side comparison made it obvious which firm understood our community best, and our board finally felt confident we were getting a fair price for a thorough reserve study.”
“Three strong Florida proposals in one week. It saved our board countless emails and phone calls.”
Florida HOAs and condos have requested proposals through our marketplace.
Vetted reserve study professionals covering communities across Florida
“We picked a great local firm and finally feel in control of our long-term repairs.”
“Our reserves were underfunded and nobody on the board knew where to start. The marketplace walked us through a simple brief and connected us with engineers who specialize in Florida HOAs. The proposals were clear, the timelines realistic, and we now have a funding plan our owners actually understand.”
Frequently asked questions
Do Florida associations have to get a reserve study?
For many condominium and cooperative buildings that are three stories or higher, a Structural Integrity Reserve Study (SIRS) and funded reserves are now mandatory under Florida law. HOAs and smaller or low-rise communities are not directly required to get a reserve study, but most still do so as a best practice. For the full breakdown, see our Florida reserve study law guide.
How often should Florida associations update their reserve study?
High-rise condos and co-ops that fall under the SIRS rules must complete a structural integrity reserve study on a recurring cycle (at least every 10 years) and keep reserves aligned with the latest report. Most other communities update their traditional reserve studies every 3–5 years and review the numbers annually during budget season.
Do we need a Florida-based reserve study company, or is regional experience enough?
You do not have to use a firm headquartered in your city, but you should choose a provider with clear Florida experience—especially with the new SIRS requirements for condos and co-ops, coastal conditions, and local construction costs. PropFusion only routes your request to firms that actively work in Florida and are comfortable with those standards.
How much do reserve studies typically cost in Florida?
Smaller HOAs and condos may see proposals in the low four figures, while large high-rise buildings with extensive structural and parking components will pay more. Getting several bids for the same scope through PropFusion is the fastest way to understand the true market range for your property.
Does PropFusion charge Florida communities for this service?
No. Requesting and comparing proposals through PropFusion is free for boards and managers. You only pay the reserve study company you decide to hire.
Get proposals from reserve study companies in Florida
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.
