Requirements by Region
Reserve study requirements, region by region
What the law actually requires where your buildings are: statutes, deadlines, update cycles, who can perform the study, and funding rules. Written by civil engineers and verified against primary sources.
New Jersey
S2760 required a capital reserve study by January 8, 2025. Updates every 5 years, funding per the study, and strict disclosure rules if you fund below 100%.
See the Requirements →New York
No statewide mandate yet. Bill A8945 would require 30-year funding plans, annual reviews, and state filing. NYC buildings already face LL97, FISP, and lender scrutiny.
See the Requirements →California
Davis-Stirling requires a reserve study every 3 years and annual review, and puts your percent-funded number in front of every owner and buyer. The SB 326 balcony deadline has passed.
See the Requirements →Ontario
The Condominium Act requires a reserve fund study every 3 years and mandatory contributions. 69% of Ontario corporations are still underfunded.
See the Requirements →Alberta
The Condominium Property Act requires a reserve fund study every 5 years, a board-approved funding plan, and an independent qualified provider.
See the Requirements →Every region with a reserve study mandate
Thirteen US states and five Canadian provinces require reserve studies for community associations. Regions with a full guide are linked; we verify and add the rest continuously. Last verified July 11, 2026.
United States
| California | Every 3 years with inspection, annual board review |
| Colorado | Study for association-maintained property |
| Delaware | Fully funded reserve based on a current study |
| Florida | Structural Integrity Reserve Study; strictest in the US |
| Hawaii | Reviewed or updated every 3 years, funding rules apply |
| Maryland | Updates every 5 years, funding per the study |
| Nevada | Every 5 years, annual sufficiency review |
| New Jersey | Every 5 years, 30-year plan; deadline passed |
| Oregon | Required with a maintenance plan; soft enforcement |
| Tennessee | 5-year update cycle |
| Utah | Review or update at least every 6 years |
| Virginia | At least every 5 years, reserves per the study |
| Washington | Every 3 years unless unreasonable hardship |
Canada
| Ontario | Every 3 years, contributions mandatory |
| Alberta | Every 5 years, independent qualified provider |
| British Columbia | Depreciation reports every 5 years, opt-out abolished 2023 |
| Quebec | Contingency fund study mandated (Bill 16) |
| Manitoba | Reserve fund study with periodic updates |
A further group of states, such as Michigan and Illinois, mandates reserve funding or disclosure without requiring a formal study. New York's statewide mandate is pending (A8945). Even with no mandate, Fannie Mae and Freddie Mac lending rules expect credible reserve planning. If your region is not covered yet, ask us directly.
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REcollab generates engineer-reviewed reserve studies from documents you already have, matched to your region's rules.
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