Reserve Study Companies in Montana
Compare vetted reserve study firms across Montana and get multiple proposals for your HOA or condominium in a few clicks, instead of spending weeks chasing vendors.
Reserve study companies for Montana HOAs, condos, and resort communities
Montana communities face harsh weather, aging infrastructure, and rising construction costs. Through PropFusion, your board can connect with reserve study companies that already understand mountain climates, rural utilities, and mixed resort-residential associations.
- Through PropFusion, you can connect with reserve study companies that already work with:
- Condo and townhome associations
- Single family HOAs
- Mountain resort and ski communities
- Lakefront subdivisions
- Mixed use and master planned communities
Montana reserve fund rules in plain language
Montana does not currently require reserve studies or reserve funding by statute, but lenders, buyers, and responsible boards still expect a long term funding plan. See our Montana Reserve Study Law Guide for a concise breakdown of what the law does and does not require.
Do Montana associations have to get a reserve study?
No. Montana law does not mandate reserve studies or a specific reserve funding level. Your governing documents, lender requirements, and fiduciary duty as a board are what drive the need for long term planning.
How often should a Montana HOA or condo update its reserve study?
Most Montana communities treat a full reserve study as a baseline, then update every 3 to 5 years or after major projects, so the funding plan reflects current costs, weather impacts, and any new amenities.
What types of associations in Montana benefit most from a reserve study?
Local or regional experience matters more than a physical office. You want a firm that regularly works in snowy, freeze thaw environments, understands siding and roofing common in Montana, and can price work accurately in your region.
Do we need a Montana based reserve study company, or is regional experience enough?
Local or regional experience matters more than a physical office. You want a firm that regularly works in snowy, freeze thaw environments, understands siding and roofing common in Montana, and can price work accurately in your region.
Types of reserve studies Montana 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 studies for specific systems or groups of components, such as private roads, wells and septic, lodge roofs, exterior wood or log siding, or amenity buildings, when you need deep insight beyond your normal reserve cycle.
Montana coverage - from Billings and Bozeman to Big Sky and Flathead Lake
You do not need a separate search for every town. PropFusion’s network includes reserve study companies that serve communities across Montana, from urban HOAs to remote mountain and lakefront properties.
- Typical areas covered include:
- Billings, Laurel, nearby Yellowstone County suburbs
- Bozeman, Belgrade, Big Sky and Gallatin Valley communities
- Missoula, Lolo, Hamilton and Bitterroot Valley communities
- Helena, Great Falls and surrounding smaller towns
- Kalispell, Whitefish, Columbia Falls and the Flathead Lake region
- Resort and vacation communities in ski and lake destinations statewide
When Montana associations typically hire a reserve study company
Boards in Montana rarely order a study just to tick a box. They usually bring in a reserve study firm when:
Sizable projects are on the horizon
Roof replacements, pavement overlays, siding or deck replacements, lodge or clubhouse upgrades, or private road rebuilds are coming up and the board wants to avoid surprise special assessments.
Weather and age are catching up with the property
Snow, ice, freeze thaw cycles, and UV exposure have taken a toll on roofs, asphalt, and exterior finishes, and the board needs a realistic schedule and budget for repairs.
There is pressure around dues, assessments, or transparency
Owners are pushing back on assessments or asking how dues are calculated, and the board wants independent numbers to explain long term funding needs.
Control is shifting from developer to owners
The community is moving through transition and owners want an independent look at construction quality, component lists, and whether reserves are where they should be at turnover.
Lenders, buyers, or insurers are asking questions
Banks, prospective purchasers, or insurers are requesting evidence of long term planning, and an up to date reserve study is the simplest way to demonstrate it.
What a Montana reserve study company delivers
While formats differ by firm, most reserve study companies serving Montana provide a similar core deliverable, aligned with national standards and tuned to local conditions.
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 so boards can choose the path that fits owner expectations and risk tolerance.
Board-ready PDF report
A report that can be attached to budgets, resale certificates, and owner communications, and that will stand up to questions from lenders, auditors, and regulators.
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 Montana 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 Montana boards say
“Our ski in, ski out condo had aging roofs and parking lots, but nobody knew what to fund or when. Through the marketplace we compared several proposals from firms used to resort properties and chose a study that mapped our projects clearly over 30 years.”
“Instead of emailing three firms and waiting weeks, we had multiple Montana proposals in days and picked the one that understood our mountain community best.”
Montana HOAs and condos have requested proposals through our marketplace.
vetted reserve study professionals covering communities across Montana.
“The marketplace gave us clear options and pricing. Our small board in Helena finally felt confident approving a reserve study and a long term plan.”
“We had never done a reserve study in twenty years. PropFusion walked us through a simple questionnaire, delivered multiple Montana focused proposals, and the winning firm explained the numbers so owners finally saw why our dues needed to change.”
Frequently asked questions
How much does a reserve study typically cost in Montana?
Costs vary based on size and complexity. Small townhome or single family HOAs might see full study proposals starting in the low thousands, while large resort or multi building communities will be higher. Comparing multiple proposals for the same scope is the only reliable way to benchmark pricing.
Is a board prepared reserve study acceptable in Montana?
Because Montana law does not prescribe who must prepare a study, some very small associations build internal spreadsheets. However, lenders, buyers, and insurers generally place more weight on studies prepared by qualified reserve professionals or engineers, especially for larger or more complex properties.
What information should we gather before requesting proposals?
Have your governing documents, most recent budget, current reserve balance, recent financial statements, prior reserve studies (if any), and a basic list of shared components ready. Photos, site maps, and recent project invoices also help vendors price their work accurately.
Do we need a new reserve study if we just finished a major project?
Yes, it is usually smart to update your study after a major capital project like a roof replacement, road reconstruction, or lodge renovation. Your balances, remaining lives, and future cash flow will all change, and you want the funding plan to reflect your new reality.nce histories and any plans for major changes, such as expansions or amenities.
Can one reserve study company serve both our Montana and out of state associations?
Many reserve study companies in our network work across multiple states, so if your management company oversees properties in Montana and neighboring states, you can often consolidate work with one provider that understands both your portfolio and regional differences.
Get proposals from reserve study companies in Montana
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.
