Structural Integrity Reserve Studies
Condo buildings three habitable stories or more, at least every 10 years.
What the Program Requires
Residential condominium buildings three habitable stories or more
At least every 10 years
Performed or verified by a Florida licensed engineer or architect, or a person certified as a reserve specialist or professional reserve analyst by the Community Associations Institute or the Association of Professional Reserve Analysts
Roof, structure, fireproofing and fire protection, plumbing, electrical, waterproofing and exterior painting, windows and exterior doors, and certain other high cost items
The Details That Matter
A structural integrity reserve study is based on a visual inspection. It must state each item's estimated remaining useful life and replacement cost or deferred maintenance expense, and recommend a reserve funding schedule.
As with milestone inspections, a design professional or contractor who bids on the study must disclose in writing any intent to bid on the work the study may recommend.
Before You Take This Work
- Professional liability policies define the services they cover. Check that yours describes inspection and report work accurately, not only design, and tell your agent roughly how much of your revenue comes from this work.
- Reserve studies include cost and useful life estimates that associations use to set assessments. Make sure the work is described on your application.
Official sources
Every fact on this page comes from these sources, read in October 2026. Laws change; read the current text before relying on it.
General information, not legal advice or a statement of coverage. Laws and local rules change; read the current text at the source links and confirm requirements with the building department. Whether a policy responds depends on its wording and the facts. Hardcover is an insurance agency, not a law firm.
Doing This Work? Let’s Check Your Coverage.
We check that your policy describes the inspection work you actually do, before a report is questioned.