Senate panel calls for more clarity, time on Surfside-inspired condo inspection law
There seems to be considerable foot dragging over condo inspection reform after the Surfside collapse. Image via AP.

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Industry experts agree the law in its current form has many financial and compliance problems.

Members of the Senate Committee on Regulated Industries are fielding recommendations from a panel of experts on how to improve new Surfside-inspired regulations for condominium inspections and maintenance set to go into effect next year.

The gist: The law needs to be clearer, simpler and more inclusive, and condo owners need more time to comply.

Florida lawmakers passed SB 4D this past June, a year after a wing of the 12-story Champlain Towers South condo in Surfside collapsed, fatally burying 98 people in one of the deadliest building failures in modern history.

The measure set forth numerous steps condo associations and management companies must take in the near future to prevent a similar tragedy in the future. Beginning Dec. 31, 2024, condo towers at least three stories tall and within three miles of a coastline must be inspected when the building reaches 25 years of age. Those more than three miles inland would have to be inspected at 30 years. After that initial “milestone” inspection, the buildings must be inspected at least once per decade.

The law also includes transparency measures allowing buyers, renters and unit owners to access inspection records and preventing condo associations from waiving maintenance reserve funds.

Both the inspection requirements and the reserve fund provision came under scrutiny by more than half a dozen industry specialists, all of whom agreed the law in its current form contains many financial and compliance problems.

Will Simons, President of the Association Reserves, which has conducted more than 70,000 structural and fiscal reviews of properties across the country called “reserve studies” — including Champlain Towers South — said the law features confusing language that at best muddies interpretation.

At worst, he said, it excludes many who are capable of conducting the tens of thousands of reserve studies that will be needed once the law goes into effect Dec. 31, 2024, from being able to do so.

That deadline also needs to be extended, he added.

“To have all these done by the end of 2024, regardless of how many providers are operating in the state, is a very tall order,” he said. “We will do our best, but I think the Legislature can help us with that.”

Providing a later deadline will also provide condo associations with more fiscal runway to comply with reserve fund rules, said Debbie Reinhardt, President of the CEOMC, which represents some 20,000 licensed association managers in Florida.

For decades, condo associations in Florida had no legal requirement to set aside money for repairs and upkeep. Many didn’t. In 2020, roughly a year before the building caved in, Associated Reserves warned Champlain Towers South it had just 7% of the recommended money it needed to complete repair and replacement projects.

That’s the case for a vast number of properties, according to Reinhardt. She said many condo owners just don’t have the money to fill the long-underfilled funding pool in so short a time frame, particularly with skyrocketing insurance premiums, rising utility costs and other pricey, state-mandated upgrades.

Reinhardt suggested lawmakers extend the time frame to five years.

“Every meeting that I go to — and I’ve done a lot of budget meetings this past year — I walk out the door and they say, ‘I have to put my unit on the market. I can’t afford to live here anymore,’” she said. “There are buildings that have waived reserves for 40 years. How can they get caught up in two years?”

Lobbyist Travis Moore, speaking for the Community Association Institute, called SB 4D a “weird kind of Frankenstein” measure composed of proposals both chambers of the Legislature received and hastily stitched together last year. As a result, he said, the measure contains oversights that need shoring up.

Under the measure’s current language, he said, the 25- and 30-year milestone inspections could be interpreted as including nonresidential buildings like marinas. He added that the vague way in which the three-story height requirement is written may be similarly confounding.

“We have a lot of these mixed-use kind of buildings, where we’ve got some (parts of the development) that are villas, some that are high-rises, some that are just one story (and so on), so we need to make it clear,” he said.

How the law defines what is and isn’t a coastal area may also lead to some confusion.

“Coastal, the way it’s written now — Tampa Bay is actually excluded,” he said. “It’s not within three miles of the Gulf Coast, way over to the west, but it’s certainly sitting right on the water, and Tampa Bay is a major body of water that is saltwater… We’ve got to fix that.”

Jesse Scheckner

Jesse Scheckner has covered South Florida with a focus on Miami-Dade County since 2012. His work has been recognized by the Hearst Foundation, Society of Professional Journalists, Florida Society of News Editors, Florida MMA Awards and Miami New Times. Email him at [email protected] and follow him on Twitter @JesseScheckner.


  • tom palmer

    February 7, 2023 at 10:56 pm

    what a slippery way of defining coastal. leave it to the corporate lobbyists.

  • Andrew Linko

    February 7, 2023 at 11:12 pm

    We have already lost many Florida residents in our Condo community because the combination of 80% increase in insurance costs, coupled with the reserve requirements of SB-$D is causing senior residents on fixed income to leave the state! Congratulations on the new freedoms!

  • Mac Wiseman

    February 8, 2023 at 6:55 am

    Condos were never intended to serve as affordable housing. The Condo concept was designed for owners with great wealth who would have no problem keeping up with the assesments for what ever maintence is required in each Condo’s bylaws.
    The maintenance which would have shored up Surfside was right there written in the bylaws of Surfside.The Condo board of directors elected by the owners kept waiving the assesment year after year. So the responsability for the collapse of Surfside lies 100% on the cheap owners who kept electing the Boards of Directors over the years who would waive the structural assesments that would have prevented the issue from ever happening in the first place. Legislation is needed to prevent the elected Condo Boards from ever doing this again.

  • Andrew Linko

    February 8, 2023 at 10:36 am

    I agree that elderly owners, and elderly volunteer Board members kick the bucket down the road, to keep their assets or savings, but how does this law fix that in one year? Forcing those who do not want to pay to move out of the state?

  • Adrienne Greene Rogatz

    February 9, 2023 at 9:36 am

    I grew upon Miami Beach and lived in Dade County for 60 years . 14 years ago I left the Beach and moved to Broward. I really saw all the changes thru many decades.

    Plus I am a real estate agent since 1986.
    I mostly dealt in waterfront properties primarily condos.

    We should all be ashamed of ourselves for letting this happen, to our wonderful condos and such a privilege to be able to live here.

    Repairs need to be kept up in timely manners just like our health. If you don’t stay on top of major construction things will fall apart and cause damages to the buildings , human lived and our livelihoods .

  • Andrew Linko

    February 9, 2023 at 11:10 am

    How many Real Estate agents and firms, said they would not sell any ‘Surfside’ condos knowing they were neglected by the owners and the Condo Board leaders? Tell me I never heard one agent or firm report to the State, the County, or the media. Show us the reports or you are part of the problem.

  • Andrew Linko

    February 9, 2023 at 11:12 am

    I am not targeting or blaming one industry, or government only, many have liability in the condo collapse. The bottom line, SB 4D is a knee jerk reaction that is causing many seniors to leave Florida, if that’s the legislature’s goal, recreate Florida with a certain class, then they will achieve their goal.

Comments are closed.


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