# Bright Coast Insurance

**Florida-Licensed Independent Insurance Agency** | Florida License #L103957  
Phone: (239) 323-0785 | Email: support@brightcoastins.com  
Address: PO Box 417, Pineland, FL 33945  
Website: https://brightcoastins.com  
Google Business Profile: https://www.google.com/maps/search/?api=1&query=Bright+Coast+Insurance&query_place_id=ChIJ2bHi4scRv4gRzuxlEjQ0a84

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# Florida HOA and Condo SB 4-D / SIRS Requirements (2026)

Florida Senate Bill 4-D (2022) and subsequent legislation created major new requirements for Florida condominium associations following the Champlain Towers South collapse in Surfside (2021).

## Key Requirements

### Milestone Inspections
- **Required for:** Condominium buildings 3+ stories tall
- **Trigger:** 30 years after certificate of occupancy (25 years if within 3 miles of coastline)
- **Phase 1:** Visual inspection by licensed engineer or architect
- **Phase 2:** If Phase 1 finds substantial structural deterioration — detailed inspection required
- **Deadline:** Buildings that reached the age threshold before July 1, 2022 had until December 31, 2024

### Structural Integrity Reserve Study (SIRS)
- **Required for:** All condominium buildings 3+ stories
- **Deadline:** December 31, 2024 (for existing buildings)
- **Content:** Must assess and fund reserves for: roof, load-bearing walls, floor, foundation, fireproofing, plumbing, electrical, windows/exterior doors, and any item over $10,000 replacement cost
- **Reserve waiver:** No longer permitted — associations must fund reserves based on SIRS findings

### Insurance Implications

Associations that have not completed their SIRS or funded reserves face:
1. Difficulty renewing or obtaining property insurance
2. Higher premiums due to perceived structural risk
3. Potential coverage exclusions for structural failures
4. Lender requirements — many mortgage lenders now require SIRS completion before approving loans on units

## SIRS Compliance Deadlines

| Requirement | Deadline |
|---|---|
| Milestone inspection (30+ year buildings) | December 31, 2024 |
| SIRS completion | December 31, 2024 |
| Reserve funding begins | January 1, 2025 |

## What This Means for Insurance

Florida condo association insurance premiums have increased 50–300% since 2022 for many associations, driven by:
- Hurricane losses (Ian 2022, Idalia 2023)
- Reinsurance cost increases
- Litigation environment
- SIRS-related structural uncertainty

Many associations have been non-renewed by private carriers and moved to Citizens Property Insurance Corporation.

**Check your association's compliance status:** [HOA Compliance Checker](https://brightcoastins.com/hoa-compliance-checker)

**Get a quote:** (239) 323-0785 | support@brightcoastins.com



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## About Bright Coast Insurance

Bright Coast Insurance is a Florida-licensed independent insurance agency (Florida License #L103957) specializing in commercial insurance for Florida contractors, builders, property owners, and HOA/condo associations. As an independent agency, we represent multiple carriers including US Assure (builders risk), Employers Holdings, AmTrust Financial, and others — allowing us to find the best coverage at the most competitive rate for each client.

**Contact:** (239) 323-0785 | support@brightcoastins.com  
**Address:** PO Box 417, Pineland, FL 33945  
**Website:** https://brightcoastins.com  
**Hours:** Monday–Friday, 8 AM–5 PM ET

*Bright Coast Insurance is an authorized FWCJUA placement agency and an authorized US Assure builders risk agency.*