What is SIRS (Structural Integrity Reserve Study)?
Definition
A Structural Integrity Reserve Study (SIRS) is a Florida-required study of a condominium's major structural components — roof, load-bearing walls, foundation, plumbing, electrical and more — and the reserves needed to maintain them. It became mandatory for many buildings after the 2021 Surfside collapse.
Example
Worked example
A SIRS finds a building must reserve $3M over 10 years for structural items it had under-reserved → expect higher dues or assessments as reserves are funded. (Illustrative; confirm specifics in the actual study.)
How ReSharpe calculates this
ReSharpe's AI surfaces SIRS findings and reserve adequacy from the condo documents, so you see the structural and funding picture before you commit. It's not legal advice — verify with counsel — but it tells you where to look. See AI condo document review.
Related: Milestone inspection · Special assessment
Frequently asked questions
- Which buildings need a SIRS?
- Under Florida law (SB 4-D, following the 2021 Surfside collapse), condo and cooperative buildings three stories or higher must complete a Structural Integrity Reserve Study, with associations required to fund reserves for the items it covers. Always confirm current requirements and deadlines with counsel.
- Why does a SIRS affect a purchase?
- A SIRS can reveal underfunded reserves and major upcoming repairs, which often translate into higher dues or special assessments. Reviewing it before buying is how you avoid inheriting a large, known liability.
See these numbers computed on a real South Florida listing.
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