What Is a SIRS? Florida's Structural Integrity Reserve Study

Updated October 4, 2026 · what it covers, the deadlines, and how to check a building · not legal advice

A structural integrity reserve study (SIRS) is a study of a condo building's major structural parts and systems: what they will cost to repair or replace, when, and how much the association has to save each year to pay for it. Florida requires one for condominium buildings three habitable stories or higher. As of October 4, 2026, we can match a SIRS filing in the state's public database to 25% of Florida's 27,968 registered condominiums; many of the rest are under three stories and don't need one.

What a SIRS must cover

Roof
Structure, including load-bearing walls and primary structural members
Fireproofing and fire protection systems
Plumbing
Electrical systems
Waterproofing and exterior painting
Windows and exterior doors
Any other item with a deferred maintenance or replacement cost over $25,000 that affects the items above

Deadlines and who does it

Associations that existed on or before July 1, 2022 (owner-controlled) had to complete one by December 31, 2025; after that, at least every 10 years.
It must be done by a licensed engineer or architect, or a reserve specialist or professional reserve analyst certified by the Community Associations Institute or the Association of Professional Reserve Analysts.
Within 45 days of receiving it, the association must tell the state it was completed and give owners a copy or notice that it's available.

Why it matters for monthly fees

For budgets adopted after December 31, 2024, owner-controlled associations can't vote to waive or reduce reserves for SIRS items. Since July 2025, associations can also fund those reserves with special assessments, loans or lines of credit. So if a building's SIRS calls for much more saving than its budget collects, expect higher fees, a special assessment or a loan.

How to check a building

Search any Florida condo below: each building page shows whether we found a matching filing in the DBPR's public SIRS reporting database, refreshed weekly. "No filing found" doesn't mean the association broke the law; it may be under three stories or listed under another name. Ask the association, and in a resale, the seller must give you the latest SIRS or a statement that none was done.

Find a building

Searches all 27,968 registered Florida condominiums by name.

Every building page shows the state registration record, SIRS filing status and FEMA flood zone, with links to the official sources. The $35 dossier adds five years of the association's fee payment history and who holds its milestone inspection records.

Frequently asked questions

What does SIRS stand for?

Structural integrity reserve study: a study of the major structural and building systems of a condo and the reserves the association needs to repair or replace them.

Which condos need a SIRS?

Condominium buildings three habitable stories or higher, as determined by the Florida Building Code (section 718.112(2)(g), Florida Statutes).

What was the SIRS deadline?

December 31, 2025 for associations that existed on or before July 1, 2022 and are controlled by unit owners. After that, a new study is required at least every 10 years.

Can owners vote to skip SIRS reserves?

No. For budgets adopted after December 31, 2024, owner-controlled associations can't vote to provide no reserves or reduced reserves for the items in the SIRS (with narrow exceptions).

How can I tell if a building filed its SIRS?

The association must tell the state within 45 days of receiving the study, and the DBPR publishes those reports. Our building pages check each condo against the DBPR's public SIRS database every week.