Structural Integrity Reserve Study (SIRS)

What Is a Structural Integrity Reserve Study (SIRS)?

Understand the legal and structural requirements of Florida’s SIRS mandate and how it differs from traditional reserve studies. 

Florida Structural Integrity Reserve Study (SIRS)

A Structural Integrity Reserve Study (SIRS) is a legally required subset of a reserve study, introduced through Florida Senate Bill 4-D and further refined by House Bill 913. It is specifically designed for buildings with three or more habitable stories and focuses on critical structural systems that directly affect safety and long-term building integrity. 

Purpose and Scope

reserve studies

The main purpose of a SIRS is to ensure that associations set aside adequate funds for essential structural elements such as:

  • Roofs
  • Load-bearing walls
  • Fireproofing and fire protection systems
  • Plumbing and electrical systems
  • Waterproofing and exterior painting
  • Windows and exterior doors

These components must be visually inspected by a credentialed reserve specialist or a licensed engineer or architect. The findings must then be used to generate a funding plan that ensures these elements are fully reserved for—without allowing the fund to fall into deficit. 

reserve studies

Legal Requirements

Florida law requires that: 

-A SIRS be completed every 10 years
-Boards cannot waive or reduce contributions to SIRS components
-An affidavit be signed confirming the board has reviewed the SIRS
-SIRS results be reported to the DBPR and stored digitally for owner access

See More Florida State Requirements

Edge Realty Advisors’ Role 

We provide full SIRS inspections and reports tailored to your specific building. Our team understands both the engineering and legal dimensions of SIRS compliance. We also help translate the results into usable financial plans that support responsible budgeting and timely communication with unit owners. 

Edge Realty Advisors

Florida SIRS FAQs

What is a SIRS? 

A Structural Integrity Reserve Study is a Florida-mandated assessment and funding plan focused on critical building components. 

How often should our full reserve study be updated?

Every 3–5 years is recommended for a full update, with annual or financial reviews every 1 to 2 years to stay on track. 

Do you provide SIRS throughout Florida?

Yes. We proudly serve communities across the entire state of Florida, including Jacksonville, Miami, Tampa, Orlando, St. Petersburg, Hialeah, Cape Coral, Port St. Lucie, Tallahassee, and Fort Lauderdale.

Who is required to conduct one? 

Condominium or cooperative buildings with three or more habitable stories must conduct a SIRS every 10 years. 

What’s the cost threshold for reserve inclusion?

Any single component with a replacement value of $25,000 or more must be included in the SIRS. 

Can owners vote to waive contributions?

No. For SIRS components, waivers are not allowed. These items must be fully funded under Florida law. 

What happens if we don’t comply? 

Non-compliance can result in loss of insurance eligibility, legal liability for board members, regulatory penalties, and owner lawsuits. 

Who can perform a reserve study or SIRS? 

Credentialed reserve professional with experience in building systems and cost modeling, licensed Florida engineer, or architect. 

Reserve Study

Request a Reserve Study Proposal Today

Managers and board members rely on us to deliver not just compliance—but clarity. From technical accuracy to presentation readiness, we help you prepare with confidence. 

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