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Can a milestone inspection replace the SIRS visual inspection?

Process · SIRS Reserve Study · · 4 min read

Short answer

Yes, partly. A milestone inspection, or a similar inspection, completed in the past five years can replace the visual inspection part of a SIRS if it covers what that inspection needs. The provider still has to estimate remaining lives, replacement costs and the funding plan, and after a milestone the SIRS may be delayed up to two budget years.

Many Florida associations meet both rules within a year or two of each other: a milestone inspection under s. 553.899 and a structural integrity reserve study under s. 718.112(2)(g). Both send a licensed professional around the same building, looking at much of the same concrete. The statute recognizes the overlap, and a board that understands it can avoid paying for the same walk-through twice.

What the statute allows

Paragraph (g)8 says a milestone inspection, or a similar inspection, completed within the previous five years may replace the visual inspection portion of the SIRS, as long as it meets the requirements that portion has to meet. The substitution is for the inspection only. Everything that turns observations into money still has to be done.

Paragraph (g)9 adds a timing option. An association that has completed a milestone inspection may delay its SIRS for up to two consecutive budget years. The idea is sensible: if phase two has found deterioration, the repairs and their cost should be known before the study builds a 30-year plan around them.

Neither paragraph moves the outside date in (g)7. For associations caught by the catch-up rule, no SIRS may be completed after December 31, 2026, delay or no delay.

What a SIRS visual inspection needs

The SIRS inspection is organized around eight items: roof; structure; fireproofing and fire protection; plumbing; electrical; waterproofing and exterior painting; windows and exterior doors; and any other item over $25,000 (indexed) whose failure would harm the others. For each, the provider needs enough observation to estimate a remaining useful life and a replacement cost or deferred maintenance expense.

A milestone inspection is organized around structural safety. Phase one is a visual examination of habitable and non-habitable areas with a qualitative assessment of structural condition, and the report must say whether unsafe or dangerous conditions were seen. That covers item b well, and often parts of items a, f and g where they bear on the structure. It may say little about the age of the fire alarm panel, the condition of the switchgear or the state of the risers.

So the honest answer is usually “partly”. Whether a given milestone report can replace the whole SIRS visual inspection depends on what the inspector looked at and wrote down.

How to find out for your building

Send the SIRS provider the full milestone report, not just the summary the association distributed to owners. Ask three questions in writing:

  1. Which of the eight items does the report cover well enough for you to estimate life and cost without your own visit?
  2. Which items need a supplementary visit, and how long will it take?
  3. How does using the report change your fee?

A provider who answers item by item is showing its working. One who says “we can use it” without saying how much is harder to compare.

Where a local inspection counts

The word “similar” matters in counties that ran their own programs. Broward’s Board of Rules and Appeals says its building safety inspection satisfies both phases of the state milestone inspection, and Miami-Dade’s recertification program requires structural and electrical reports on taller buildings. A recent report from one of those programs may serve the same purpose. The Broward and Miami-Dade pages have the local detail.

Using the two-year delay well

The delay in (g)9 is most useful when phase two has found substantial structural deterioration. Section 553.899 requires repairs to begin within 365 days of the phase two report. During that year, the scope and price of the repairs firm up. A SIRS prepared after that point can treat the repaired items with new remaining lives, rather than guessing at work that has not been designed.

It is less useful when the milestone found little. In that case the delay just pushes the reserve plan later, while the no-waiver rule still applies to the budgets in between. Most boards in that position go ahead with the SIRS and use the milestone report to shorten it.

Funding during the gap

If the repairs are large, a separate funding provision may matter more than the SIRS timing. For budgets adopted on or before December 31, 2028, an association that completed a milestone inspection in the prior two calendar years may, with a majority of total voting interests, cut or suspend reserve payments for as many as two budgets in a row, using the money on the repairs that inspection called for. That frees cash for the urgent work without abandoning the reserve schedule for good.

A worked sequence

Take a 1990 coastal building in a county with a 25-year trigger. Its milestone inspection came due years ago; phase one in early 2025 found balcony deterioration, and phase two followed in the spring. Repairs had to start within 365 days of that report. A sensible order for the board:

  • Use the two-year delay only as long as needed for the repair design and bids.
  • Commission the SIRS once the repair scope is fixed, giving the provider both milestone reports.
  • Ask the provider to treat the repaired balconies as renewed under items b and f, and to visit only for the items the milestone did not cover.
  • Keep the whole sequence inside the December 31, 2026 outside date.

This is a pattern, not advice for any one building. Where the dates are tight or the reports disagree, check with the association’s attorney.

The short version

The milestone inspection answers whether the building is safe. The SIRS answers what it will cost to keep it that way. One good inspection can serve both, but only the inspection part. Plan them together, share every report, and make the SIRS reserve study the place where the numbers come together.

Sources

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