Topic guide
After Surfside, Florida rewrote the rules for older condos. SIRS reports and milestone inspections now decide whether a building is safe to buy, and what it will cost to own.
Florida condominiums three stories or taller now face two linked requirements: a milestone structural inspection and a Structural Integrity Reserve Study (SIRS) that bans the old practice of waiving or underfunding reserves for major components. For buyers, these reports are the clearest signal of whether a building is financially and structurally sound, and whether a large special assessment is coming.
The numbers are stark: a majority of buildings that complete a SIRS discover they are underfunded for the work ahead. That gap becomes the owner's problem, often as a five- or six-figure assessment. Reading these reports correctly before you close is now the single most important step in a Florida condo purchase.
This guide explains what SIRS and milestone reports contain, what happens when a building fails, what owners can do when an assessment lands, and how to weigh the risk against the opportunity in a softening 2026 market. Agents working Florida condos will find the disclosure playbook here too.
56% of FL condos miss the 2026 SIRS deadline. Prices down 9.9%, assessments hit $400K per unit. The buyer's guide to what's still safe (1,900+ HOA docs).
SIRS reports cover 8 structural components Florida condos must fund by 2026. Check percent funded, RUL=0 items, and assessment risk (based on 1,900+ HOA docs).
Florida's biggest HOA reform bill died in Senate Rules on March 13, 2026. No dissolution process, no community court, no Kaufman mandate. What buyers do now.
900,000 FL condo units face milestone inspections. Failures trigger $134K-$400K assessments per unit. Deadlines and what buyers must check (1,900+ docs).
Florida condo values down 19% since 2023. 62% missed SIRS deadline. Smart buyers find opportunity in the chaos. How to tell risk from reward (based on 1,900+ HOA docs).
SIRS disclosure deadlines, 7-day buyer review, $400K assessments, lender blacklists. The 2026 playbook for FL buyer-agents (1,900+ HOA docs analyzed).
26% of Florida condos underfunded below 50%. SIRS assessments reaching $100K-$400K per unit. 6 options from payment plans to county assistance (based on 38 SIRS reports).
FL court blocked a developer's attempt to lower the 80% termination threshold. How to check your declaration for forced-sale risk (1,900+ HOA docs analyzed).
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