Structural Integrity Reserve Study (Florida SIRS)
What this clause says
The Association shall have a structural integrity reserve study performed for each building on the condominium property that is three or more habitable stories in height, covering the structural components specified by statute, and shall fund reserves for those components in accordance with the study.
What this means in plain English
Florida requires a Structural Integrity Reserve Study (SIRS) for residential condominium buildings three or more habitable stories tall, under Florida Statute 718.112(2)(g). The SIRS covers a defined set of structural components, including the roof, load-bearing structure, fire protection, plumbing, electrical, waterproofing, and windows, and the association must reserve funds for them based on the study. It works alongside the milestone structural inspection under Florida Statute 553.899, which requires an inspection at 30 years of age, or 25 years for buildings within three miles of the coast, and every 10 years after that.
What it means for an HOA board
For covered Florida condominiums this is a legal compliance obligation, not just a best practice, and it interacts directly with insurance and lending. Boards that have not completed the SIRS and milestone inspection on the statutory schedule face funding mandates, and increasingly carriers and lenders ask for this documentation. Sequence the milestone inspection and the SIRS together so the structural findings inform the reserve funding, and keep the completion records available for insurance and warrantability reviews.
Program notes
This is a statutory and structural item rather than a coverage term, but it increasingly gates insurance and lender reviews on covered Florida buildings. Treat missing SIRS or milestone documentation as a live compliance issue, not a paperwork formality.
How this evaluates
The Policy Checker applies these rules in order; the first match wins.
sirs completed is set -> Compliant: The structural integrity reserve study is completed, satisfying the Florida Statute 718.112(2)(g) requirement for covered buildings. sirs completed is not set -> Gap: No completed SIRS recorded. For a Florida residential condominium three or more habitable stories tall this is a statutory compliance gap under 718.112(2)(g).
See this in your policy
Check this clause against your master policy.
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Common questions about this clause
- What are the Florida SIRS and milestone inspection requirements?
- What is California SB326 balcony inspection and how does it affect HOA insurance?
- Why is Florida condo insurance so expensive and hard to place?
- How often should an HOA get an insurance appraisal?
- Why did our HOA insurance get non-renewed?