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Selling a condo in Florida: milestone inspections and SIRS
Florida's post-Surfside condo laws changed what buyers ask for. Here is what condo sellers should gather before listing.
By Danielle Salomon and Simone Pakoys · Updated 11/02/2026 · General information, not legal or tax advice.
After the 2021 Champlain Towers collapse in Surfside, Florida passed new condo safety laws. They matter to anyone selling a unit in an older building, because buyers and lenders now look at the building as closely as the unit.
The milestone inspection
Condo and co-op buildings three or more habitable stories tall need a milestone structural inspection by a licensed engineer or architect once they reach a certain age, and then on a recurring schedule. The inspection checks whether the structure has substantial deterioration and what repairs are needed.
The structural integrity reserve study (SIRS)
The same buildings must complete a structural integrity reserve study. It estimates the remaining life and replacement cost of major structural items such as the roof, load-bearing structure, fireproofing, plumbing, electrical, waterproofing and windows, and sets how much the association must save. Associations can no longer waive those structural reserves.
Why buyers care
When reserves are short or repairs are due, associations raise fees or levy special assessments. Buyers now ask for the SIRS, the milestone inspection summary, the budget and recent board minutes before they commit, and lenders review the same documents.
How we help
We gather the building documents up front, price your unit against recent sales in buildings with similar reserves and inspection status, and explain the building's story clearly to buyers. A well-documented building is a selling point.
Questions about your situation?
Danielle and Simone will walk you through it. No pressure.