The milestone and SIRS are complete. What comes next?

“Passed” is buyer shorthand, not the statute’s grade. Section 553.899 says Phase 2 is not required when the architect or engineer finds no signs of substantial structural deterioration in the building components under visual examination.

That conclusion is not a warranty and does not establish that every component is defect-free. Read the signed report, its inspection basis, material findings, recommendations, unsafe-condition statement, and any item requiring further inspection.

A Structural Integrity Reserve Study identifies covered components, estimates remaining useful life and cost, and recommends a reserve funding plan. Completion does not mean the recommended money is already in the bank.

Compare the study date and assumptions with the current budget, reserve balances, assessments, credit or loans, contracts, and board minutes. The SIRS-versus-reserve-study guide covers which document you are holding; this guide covers what the completed records do and do not settle.

1. 01Get the complete signed reports and summaries, not a verbal description.
2. 02Confirm the building and components each record covers.
3. 03Trace recommendations into minutes, budgets, bids, permits, and completion evidence.
4. 04Ask the local enforcement agency about the milestone status for the address.
5. 05Have the lender, inspector, engineer, attorney, and title team decide within their lanes.

Neither report sets the price, allocates a future assessment at closing, or determines financing. The contract and current association records shape cost allocation; only the buyer’s lender approves the borrower, loan, and project.

Return to the condo buyer guide, or compare the statutory height rules in the three-story versus two-story guide.