Florida Traditional Reserve Study


Complete Your Traditional Reserve Study with the Experts at Florida Engineering!

Florida is renowned for its sun-kissed beaches, vibrant communities, and unique architectural landscapes. But behind this beauty, it's essential for properties to have a foundation that's not only sturdy but also financially prepared for the future. 

That's where the importance of a traditional reserve study comes into play, and nobody does it better than Florida Engineering. We are a linchpin in the realm of structural engineering and financial forecasting for properties. 

Our dedication goes beyond just calculations and inspections - it's about safeguarding your community's future and ensuring sustainable living and investment for years to come

You can enjoy peace of mind by reaching out to get a quote today. We provide responses in as little as one business day and are eager to help you get this task crossed off your to-do list.

What is a Florida Traditional Reserve Study?

In the vibrant tapestry of property management and community planning, a traditional reserve study binds a community's present to its future.  It's a comprehensive financial roadmap meticulously designed to guide homeowner associations in preparing for inevitable repairs, replacements, and maintenance. 

This tool is indispensable in Florida. But what does it all consist of? What separates it from other types of reserve studies?

The Key Components of a Traditional Reserve Study

  • Component Analysis: At the heart of the study is an in-depth inventory of all significant common-area components the association is responsible for - be it roofs, clubhouses, pools, or roads. Each item is documented with precision.
  • Life and Cost Estimates: Three pivotal factors are evaluated for every listed component. Current Replacement Cost assesses how much it would cost to replace the component in today's market. Remaining Useful Life evaluates how many more years the community can expect the component to function adequately. Last but not least, Total Useful Life looks at how long a component is expected to last from its inception.
  • Funding Analysis: The study calculates the reserve funds that should be set aside periodically based on the established costs and timelines. This proactive financial planning ensures ample funds are available when repairs or replacements are due, preventing unforeseen financial strains on the community.
  • Recommendations: The study outlines specific funding strategies drawing from the gathered data. These insights empower associations to make informed decisions, ensuring the community's financial well-being aligns with its infrastructural needs.

What does the reserve study include?

  1. The Reserve Table provided by FE is adopting the straight-line accounting method to ensure the availability of funds at the end of the replaced element’s Expected Useful Life (EUL), beyond the evaluation period of this assessment.
  2. A Reserve Study consists of two parts: the Physical Analysis and the Financial Analysis. The Physical Analysis contains the information about the current condition and repair or replacement cost of the major common area components the association is obligated to maintain. The Financial Analysis contains an evaluation of the association's Reserve balance and a recommended Funding Plan to offset the anticipated Reserve expenses.
  3. The basic objective of the Reserve Study is to provide a plan to collect funds at a stable rate to offset the predicted irregular Reserve expenses. Setting a stable Reserve contribution rate will ensure that each owner pays their own “fair share” of the ongoing, gradual deterioration of the common areas.
  4. Reserve expenses are the larger, infrequent expenses that require significant advance planning. Operating expenses, on the other hand, are those ongoing daily, weekly, or monthly expenses that occur and recur throughout the year. Small surprises are typically managed as maintenance contingencies, while the larger ones may be covered by insurance or require special assessments.
  5. There is a national-standard four-part test to determine which expense items should be funded through Reserves. This four-part test will help the client compile the Reserve Component List. 
  6. First, it must be a common area maintenance responsibility. Second, the component must have a limited life. Third, the limited life must be predictable (not a “surprise” which cannot be accurately anticipated). Fourth, the component must be above a minimum threshold cost. These limit Reserve Components to major, predictable expenses. Most Reserve Studies do not typically Reserve for building foundations and major infrastructure elements since they do not have limited life expectancies. Light bulbs or other small items are usually not listed as Reserve Components since their individual costs are insignificant.


Our reserve studies aim for a fully-funded reserve, ensuring associations have 100% of the needed funds by the time repairs or replacements are required.  This approach offers the greatest financial security, reducing the risk of special assessments or loans.

Why You Can Trust Florida Engineering With Your Traditional Reserve Study in Florida

The decision of whom to entrust with your traditional reserve study in Florida cannot be taken lightly amidst the myriad complexities of property management and planning.

It's more than just a service - it's about laying the bedrock of your community's future and protecting assets. 

So why trust Florida Engineering in this endeavor? 


  • Unparalleled Track Record: We bring a combined century of experience to the table. We’ve completed 90,000+ projects and saved our customers more than $30 million over that timeframe. Florida Engineering has become synonymous with excellence, having worked with a diverse portfolio of properties.
  • Precision Meets Passion: Every reserve study we perform is a deeply personal endeavor. We merge analytical precision with genuine care for your community's future. Our professionals delve deep, understanding the nuances of your property, ensuring no stone is left unturned.
  • Tailored for Florida: The Sunshine State presents unique challenges and opportunities. Our team is well-versed in Florida's distinct environmental and architectural landscape. This local expertise ensures that your Reserve Study isn't just accurate but also tailored to the state's unique needs.
  • Transparent Communication: Your journey with us will be characterized by open dialogue. Every step, every analysis, every recommendation - we ensure you're in the loop. Our commitment to transparency ensures not just a thorough reserve study but also an educational experience for your community.
  • Cutting-Edge Tools & Techniques: We're at the forefront of technology and methodologies in the realm of reserve studies. By harnessing the latest tools and constantly updating our knowledge base, we ensure that your Reserve Study stands robust, even as times change.
  • Financial Foresight: Our team also offers keen financial acumen to help you make calculated decisions. We understand that a reserve study is as much about fiscal responsibility as it is about infrastructural longevity. Our projections are not only accurate but also sustainable, ensuring your community's financial health for decades to come.


Don't leave your community's future to chance. Partner with the best, and together, let's chart a course toward a future where security, foresight, and prosperity converge.

Get the Process Started Today!

The journey towards securing your community's future is just a step away. You're not only investing in a service with Florida Engineering but in peace of mind, expertise, and a legacy of trust.  The intricate tapestry of your property deserves the touch of the finest craftsmen in the realm of Traditional Reserve Studies in Florida. So, why wait for tomorrow when the pathway to clarity, foresight, and strategic planning is at your fingertips today? 

Seize the moment and request a quote today - or learn more about the other services we have to offer, including the Florida condo milestone inspection, structural integrity reserve study, recertification studies, and more!

Contact Us Today for a Free Quote on Your Project!