Reserve Study for Your Association’s Future
Understand, plan, and protect your community’s long-term financial health with a professional reserve study tailored to Florida associations.
What is a Reserve Study?
A reserve study is a strategic financial and physical analysis used by condominium and homeowners’ associations (HOAs) to ensure that adequate funds are available for the future repair and replacement of common area components.
Reserve studies are made up of two parts:
Physical Analysis
An on-site inspection of all major components, such as roofing systems, elevators, pool equipment, and building exteriors. This step involves estimating the remaining useful life and current condition of each item.
Financial Analysis
A long-term financial model that calculates future funding needs, accounting for inflation, interest, and repair cycles. It outlines a clear contribution strategy for maintaining adequate reserves.
Benefits of a Reserve Study
Reserve studies provide numerous advantages—extending beyond financial planning to include improved risk management, regulatory compliance, and stronger community cohesion.
Florida Reserve Study Process Explained
Our reserve study process is designed for clarity, compliance, and complete alignment with Florida laws. Every report we produce follows a proven methodology that results in an actionable, board-ready deliverable.
Understanding Reserve Study Levels
Reserve study reports are categorized into levels based on their scope, detail, and purpose. At Edge Realty Advisors, we offer four levels of reserve studies to meet the diverse needs of Florida condominium and homeowners’ associations.
Level I – Full Reserve Study (With Site Visit)
This is a comprehensive study designed for properties that have never had a reserve study done by our team.
Level II – Reserve Study Update (With Site Visit)
Intended for properties that previously completed a Level I study, this update involves a fresh inspection and financial review.
Level III – Reserve Study Update (Without Site Visit)
This level focuses strictly on financial and component updates without a physical inspection.
Level IV – Construction-Based Reserve Study
Used for newly developed or soon-to-be-built properties, this level is based on site plans and construction documents.
Learn more about the different levels of reserve studies and choose the right one for your needs. →
What’s Included in Our Reserve Study Package
Edge Realty Advisors delivers clear, customized, and code-compliant reserve studies with every engagement.
Deliverables include:
-Full inspection for qualifying buildings
-30-year financial plan with reserve balances and contributions
-Multi-scenario funding options (baseline, threshold, full)
-Split structural and discretionary component schedules
-Graphs, tables, and board summaries
-Editable Excel model and PDF report
-Thoughtful & Organized Reader Friendly Report
-Post-delivery consultation and presentation support
We provide not just reports—but real tools that help you make smart, defensible financial decisions.
Florida Reserve Study FAQs
Who can perform a reserve study?
Credentialed reserve professional with experience in building systems and cost modeling, licensed Florida engineer, or architect.
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. Learn more about Florida requirements.
Do you provide reserve studies 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.
Why does my Florida community need a reserve study?
Florida law requires associations to plan for long-term maintenance and replacement of key assets. A reserve study helps ensure compliance, financial stability, and peace of mind for owners. To remain effective, accurate, and compliant, reserve studies should be updated regularly based on the age of the property, condition of assets, financial performance, and state laws. See more benefits here.
What types of properties do you serve?
We work with condominiums, HOAs, country clubs, golf courses, timeshares, property managers, cooperatives, and mixed-use communities throughout Florida.
What’s included in a reserve study?
A reserve study includes a physical analysis of major components and a financial analysis projecting future repair and replacement costs over time.
How do I get a proposal for my Florida community?
Simply request a proposal online or contact us directly—we’ll tailor a reserve study to your community’s needs and location anywhere in Florida.
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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.