Florida hoa reserve & replacement funding calculators

Florida HOA & Condo

Florida SIRS Calculator (Structural Integrity Reserve Study)

A per-component reserve-adequacy walkthrough for Florida condominiums of three or more habitable stories. Enter your SIRS report's replacement cost, remaining useful life, and current balance for each statutory component — roof, structure, fireproofing, plumbing, electrical, waterproofing, windows and exterior doors — and the calculator returns the per-component and aggregate full-funding requirement, the SIRS compliance verdict, and the named largest, shortest-life, and most-underfunded components.

Florida HOA & Condo

Florida Milestone Inspection Trigger & Cost Calculator

When is your Florida condo or co-op due for its mandatory milestone structural inspection under F.S. § 553.899 — and what should it cost? The calculator returns the trigger year (25 years if within 3 miles of coast, 30 years inland, 10-year recurrence after first), the Phase 1 cost estimate range, and the Phase 2 risk-adjusted add if substantial structural deterioration is suspected.

Florida HOA & Condo

Florida Condo Reserve Funding Adequacy Calculator (SIRS)

Are your association's reserves on track to fully fund SIRS components under Florida's post-Surfside reserve mandate? Computes the required per-unit contribution, current shortfall, years to fully funded, and special-assessment exposure under F.S. § 718.112(2)(g) — effective 12/31/2024.

Florida HOA & Condo

Florida Reserve Study Funding Plan Calculator

Build a Florida-statute-aligned funding plan from your reserve study. Enter up to eight components (useful life remaining, replacement cost, percent already funded) and the calculator returns the per-component annual contribution, the total required reserve contribution, the per-unit annual share, the aggregate funded-status percentage, the gap vs. the current contribution, and the 5-year and 10-year cumulative projections — straight-line method for HOAs, component-component method for condos under the post-SIRS regime.

Florida HOA & Condo

Florida HOA & Condo Special Assessment Calculator

Compute your unit's share of a Florida community-association special assessment, the per-installment payment, total interest, and the procedural and lien rules the association must follow under F.S. § 718.116, § 718.112(2)(c), and § 720.3085.

Florida HOA & Condo

Florida Condominium Capital Contribution Calculator

Compute the one-time initial capital contribution a Florida condominium or HOA charges new owners at closing under F.S. § 718.112(2)(i) and § 720.308. Compares the four common declaration methods — fixed dollar, months of dues, percentage of sale price, and working-capital seed — to find the lowest and surface the per-unit fairness trade-off.

Florida Insurance

Florida Replacement Cost Value (RCV) Calculator

Size the Coverage A (dwelling) limit on your Florida homeowner's policy. RCV is the cost to rebuild the dwelling structure at current Florida material and labor prices — not the land, and not the market value. Florida-specific because coastal construction costs run 30%-50% higher than national averages post-2022, because the Florida HO-3 standard policy carries an 80% coinsurance clause that prorates partial-loss payouts on underinsured policies, and because the hurricane deductible is a percentage of Coverage A. This calculator estimates RCV from square footage, construction class, region, and features, flags underinsurance against the 80% coinsurance threshold, and quantifies the coinsurance penalty on a hypothetical partial loss.