Structural Integrity Reserve Study
A Florida-mandated reserve study (a 'SIRS') for condo buildings three stories or taller, covering structural components whose reserves can no longer be waived.
A Structural Integrity Reserve Study (SIRS) is a Florida reserve study created in response to the 2021 Surfside condo collapse, which killed 98 people after years of deferred structural repairs. Under Florida Senate Bill 4-D (2022) and SB 154 (2023), condo and co-op buildings three stories or taller must obtain a SIRS covering structural components — roof, load-bearing walls, foundation, fireproofing, plumbing, electrical, waterproofing, and windows. Its defining feature: as of after December 31, 2024, associations can no longer vote to waive or underfund the reserves for those items, closing the loophole that let deferred maintenance accumulate. A SIRS pairs with a separate milestone structural inspection, required at 30 years of age (25 in some coastal areas) and every 10 years after. See our full guide to how to read a reserve study.