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Selling a Florida Condo After the New Safety Laws

Since Florida's post-Surfside condo laws, buyers and lenders ask about your building's milestone inspection and reserve study. Gather them before you list.

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What to know

What changedAfter the 2021 Champlain Towers collapse, Florida required milestone structural inspections and structural integrity reserve studies (SIRS) for condo…

After the 2021 Champlain Towers collapse, Florida required milestone structural inspections and structural integrity reserve studies (SIRS) for condo buildings three stories or taller, and limited associations' ability to waive reserves. Many associations raised dues or levied special assessments to comply.

What buyers will ask forThe building's milestone inspection report and status The structural integrity reserve study Current reserves and the budget Any approved or pending…
  • The building's milestone inspection report and status
  • The structural integrity reserve study
  • Current reserves and the budget
  • Any approved or pending special assessments
  • Recent and planned repairs
How to prepareRequest these documents from your association now. Disclose any known special assessment. Price against recent sales in your building or similar ones…
  1. Request these documents from your association now.
  2. Disclose any known special assessment.
  3. Price against recent sales in your building or similar ones with the same status.
  4. Expect lenders to review the building; some buildings face financing limits.

Questions, answered

Do I have to provide the milestone inspection to buyers?Buyers and lenders routinely request it; having it ready keeps your sale on track.

Buyers and lenders routinely request it; having it ready keeps your sale on track.

Which condos need milestone inspections?Buildings three stories or taller, at ages set by Florida law.

Buildings three stories or taller, at ages set by Florida law.

Will a special assessment affect my sale?Yes. Disclose it; buyers and lenders factor it into price and approval.

Yes. Disclose it; buyers and lenders factor it into price and approval.

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Updated October 2026. General information, not legal or tax advice.

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