Florida Rulebook · 718.112(2)(g), Florida Statutes · 718.111(12), Florida Statutes · 718.503(2)(a)6., Florida Statutes
What is a structural integrity reserve study (SIRS) for a Florida condo?
A structural integrity reserve study (SIRS) is a study of a condo building's major parts and how much money to save for fixing or replacing them. The law requires one at least every 10 years for buildings three habitable stories or taller. Buyers are entitled to the most recent one, or a statement that none was done.
What the law says
- A residential condo association must have a SIRS done at least every 10 years for each building three habitable stories or higher (718.112(2)(g)1.).
- It must cover at least the roof, structure, fireproofing and fire protection, plumbing, electrical, waterproofing and exterior painting, and windows and exterior doors, plus other items over $25,000 (or the inflation-adjusted amount) that affect those (718.112(2)(g)1.).
- It is based on a visual inspection and must recommend a reserve funding schedule (718.112(2)(g)2. and 4.a.).
- Associations existing on or before July 1, 2022 had to finish one by December 31, 2025, and in no event may it be completed after December 31, 2026 (718.112(2)(g)7.).
- Within 45 days after getting the study, the association must send a copy to each owner or notice that it is available (718.112(2)(g)11.).
- Associations must keep these studies for at least 15 years after completion (718.111(12)).
- It does not apply to buildings under three stories, or to 1- to 4-family homes with three or fewer habitable stories (718.112(2)(g)5.).
“A residential condominium association must have a structural integrity reserve study completed at least every 10 years after the condominium’s creation for each building on the condominium property that is three habitable stories or higher in height”
718.112(2)(g), Florida Statutes
Who this is for
Buying · Selling · For agents
Last checked against the official text on November 5, 2026. Laws change, and the official text always wins. This is general information, not legal advice. For your own situation, ask a Florida real estate attorney.