Home  /  Owner's Guide to Restoration

A plain-English guide — for boards and owners

Your building needs work. Here's how not to get hurt.

A report, a number, and a year of construction on your property. Almost everything that goes wrong for an association happens in the gap between those three things.

We do not perform the repair work — a licensed contractor does. Our seal is on the report, and our job is to protect you, including from your contractor.

If you're on the board

Sections 0110 are the process: what to determine, what to specify, how to bid it, and how to hold the contractor to it.

If you own a unit

Sections 1118 are yours. Why is this happening? Will I be assessed? What about my balcony, my windows, my sale? Straight answers.

Three separate obligations, often confused, frequently overlapping:

  • Milestone inspection (F.S. §553.899) — a structural safety inspection for condominium and cooperative buildings of three or more habitable stories. Phase 1 is visual; Phase 2 follows if substantial structural deterioration is observed.
  • County 40-year recertification — Miami-Dade and Broward run their own programs, which in practice absorb the Milestone requirement and add an electrical inspection.
  • Structural Integrity Reserve Study (F.S. §718.112(2)(g)) — a funding study covering roof, structure, waterproofing and exterior painting, fireproofing and fire protection, plumbing, electrical, windows and exterior doors, and any other item over the statutory threshold. Amended by HB 913, which added a baseline funding plan requirement.

This guide does not repeat the statutory detail. The triggers, the coastal 25-year rule, the two phases, the county programs and what HB 913 changed are set out in full in the compliance guide, and the deadline finder will tell you which apply to your building and roughly when.

Read the compliance guide Check your deadlines

What matters here is what happens next: an obligation produces a report, a report produces a scope, a scope produces a contract, and a contract produces a building site on your property for a year. Everything below is about running that sequence without the association getting hurt.

A visual survey finds the concrete that has already failed. It does not find the concrete that is going to fail — and on a chloride-contaminated building, that is most of it. The spalls you can see are where the process finished first, not where it stopped.

That gap is the whole reason Phase 2 exists, and it is the reason a repair designed off a visual survey repairs the symptom and leaves the mechanism running underneath the new concrete.

What the investigation actually measures

  • Delamination sounding — mapping the concrete that has debonded but not yet fallen. It is the difference between the quantity you can see and the quantity you will actually remove.
  • Chloride ion profiling — powder samples at depth, tested for chloride concentration. This tells you how far the chloride front has advanced toward the steel, and therefore how much apparently-sound concrete is already committed to failing.
  • Half-cell potential mapping — a map of corrosion activity across an element, including where the steel is actively corroding under concrete that still sounds solid.
  • Carbonation depth — a different mechanism from chloride attack, requiring a different conclusion.
  • Cover measurement and GPR — where the reinforcement actually is, and how much concrete is protecting it. Low cover is often the reason one elevation is failing and another is not.
  • Cores and petrographic analysis — concrete strength, and the condition and history of the material itself.
  • Section loss measurement — how much of the bar is left. This is what determines whether the member needs supplemental reinforcing, and it is a structural question, not a cosmetic one.

The mechanism itself — chloride attack, carbonation, and the four stages from sound concrete to spalling — is explained with diagrams in the restoration guide.

See how concrete deteriorates

The board-level point: the investigation is not an expense that delays the project. It is the thing that makes the estimate, the bid schedule and the contingency defensible. Skip it, and the uncertainty does not disappear — it simply moves from the report into your budget, where it costs considerably more.

A restoration project is not a one-off event. It is the visible part of a replacement cycle that runs whether or not the association funds it.

ComponentTypical service life
Exterior paint & waterproofing cycle~10 years
Structural restoration cycle~10 years
Traffic coatings (balconies, walkways)10–20 years
Roof~20 years, by system
Windows & exterior doors~30 years

A SIRS inventories these components, estimates remaining useful life and replacement cost, and produces the contribution schedule that funds them. Structural reserves generally cannot be waived, and the findings of a Milestone inspection feed directly into the study — a component the inspection found to be deteriorated does not get to keep its theoretical remaining life.

The decision that actually faces most boards is reserve versus special assessment: fund the cycle steadily, or fund it in a shock when the work becomes unavoidable. Reserves that are pooled and escalated gradually cost owners less per month than a study that funds each component in isolation — and considerably less than an assessment.

The SIRS funding calculator will size the recurring contribution for your building, and show any early catch-up needed to close a gap.

Size your reserve contribution

An Opinion of Probable Construction Cost is an engineer's judgment of what the work should cost, given what is known at the time it is written. It is not a quote, it is not a guarantee, and it does not become one because a board would prefer it to.

What it is is a defensible basis for funding — provided everyone understands what it rests on.

Why a visual survey systematically under-reads quantity

Deterioration is not randomly distributed; it propagates. Where you find one delaminated bay, the adjacent bay is usually further along than it looks. An estimate built on visible damage alone is not merely uncertain — it is biased, and it is biased low. That is not pessimism; it is what opening the concrete repeatedly demonstrates.

How the bid schedule protects the association

Because the true quantity cannot be known until the concrete is opened, restoration is bid on unit prices against estimated quantities. The engineer writes the bid schedule so that:

  • every repair type is a separate pay item with a defined unit and a defined measurement method;
  • estimated quantities are stated, so bidders price the same job;
  • the contract price adjusts on measured quantity, not on a lump sum that a contractor must either pad or later fight about;
  • allowance items are identified as allowances, not buried in the base price.

This is the difference between an overrun that is administered and an overrun that is argued.

Contingency

Set it against the quality of the information behind the estimate, not against a rule of thumb. A number carried on a visual survey needs a wider band than a number carried on chloride profiles and a sounding map. The cheapest way to reduce a contingency is to invest in the investigation that narrows it.

For an order-of-magnitude figure before you engage anyone, the restoration cost calculator will give you a budgeting range and the reserve you should already have set aside.

Estimate a restoration cost

Shoring, scaffolding and suspended access are delegated design. They are engineered by a specialty engineer retained by the contractor, who seals the design; the engineer of record reviews it for conformance with the project requirements. That allocation is deliberate, and it matters to the association for a practical reason: the party who designs the access is the party who carries it.

What the specification must require

  • Signed and sealed shoring and access design by a Florida-licensed engineer, submitted for review before erection.
  • Tieback and anchor testing — proof-load testing of suspended-access anchorages, with certification, at the frequency the standard requires. This is a life-safety item and it is not a formality.
  • Re-shoring requirements where load paths are temporarily removed — the determination of what may be removed, and in what order, is structural and belongs to the engineer, not to the crew's convenience.
  • Conformance review and inspection hold points before load is applied.

The cost consequence boards miss: access method drives duration, and duration drives general conditions — the contractor's standing cost of being on your building every month. An access approach that shortens the programme can be cheaper overall even when its own line item is dearer. That trade-off should be evaluated at specification, when it can still be influenced, not discovered in month nine.

Waterproofing failures are almost never product failures. They are installation failures, and they are found at the terminations — the slab edge, the drain, the door threshold, the railing post penetration. A system installed at the correct thickness across the field and detailed badly at the edge will fail at the edge, on schedule.

What the specification must state

  • The system, by manufacturer and product, selected for the actual exposure — pedestrian traffic, vehicular traffic, ponding, UV.
  • Surface preparation and profile, and moisture content limits before application.
  • Primer, coat count, and required dry-film thickness — a number, not an adjective.
  • Detailing at every termination: slab edges, drains, thresholds, penetrations, cove and upturn requirements.
  • A mock-up, approved before general application, which becomes the standard the rest of the work is measured against.

Field verification — the association's only real protection

  • Wet-film gauge readings taken during application, recorded, at a stated frequency. Once it cures, thickness is difficult to prove and easy to dispute.
  • Adhesion pull testing to the specified value.
  • Substrate moisture testing before coating.
  • Hold points — defined stages the contractor may not build past until the engineer has observed the work.

On warranties: a material warranty replaces the material. A manufacturer's system warranty — which normally requires an approved applicator and a manufacturer field inspection — is a different instrument and worth considerably more. Know which one you are being offered, and require the one you intended to buy in the specification, not after the fact.

Repairing an existing element does not automatically drag the whole building up to current code. But it can drag that element up — and the determination is a professional one, made by the engineer in coordination with the building official.

The framework is the Florida Building Code, Existing Building, which distinguishes:

  • Repair — restoring damaged materials or elements to a sound condition.
  • Alteration — changing an existing element, which brings that work under current requirements.
  • Substantial improvement — where the cost of the work crosses a threshold relative to the structure's value, with substantially heavier consequences.

Where the work sits in that framework is not a matter of what the association would prefer to call it.

Common triggers on a restoration project

  • Guards and railings — height, opening limitations, load requirements, and in the HVHZ, wind and glazing requirements. Railing posts embedded in a deteriorated slab edge are also a frequent hidden source of the spalling itself, which is how a concrete repair becomes a code question.
  • Glazed openings — see the next section; this is the largest one.
  • Means of egress — where walkway or stair geometry is affected.
  • Electrical — particularly where the county recertification's electrical inspection intersects the work.

Resolve this before the project is funded. A code trigger discovered at permit review — after the budget is approved, the assessment is levied and the contract is signed — is the single most disruptive thing that can happen to a restoration project. It is also entirely foreseeable, which is why it is the engineer's job to raise it while the board still has choices.

Restoration frequently requires clearing openings. The deterioration runs through the head, the jamb, the sill, or the slab edge under a slider track — and corroding perimeter anchorage and buck framing is often the corrosion path feeding the spalling in the first place. Once an opening has to be cleared, three questions arise, and all three are professional determinations, not contractor decisions.

(a) Does current code now apply?

When removal and reinstallation of a glazed opening constitutes a new installation, current code attaches to it. In the High-Velocity Hurricane Zone, compliance is specific and unforgiving:

  • impact-rated glazing, or an approved protection system;
  • design pressures derived for that specific opening — positive and negative, by zone and height, per ASCE 7 — not a generic rating;
  • a product carrying a current Miami-Dade Notice of Acceptance or Florida Product Approval, installed within the limits of that approval.

A legacy non-impact unit carries none of this and cannot be made to. Where current code attaches, it cannot lawfully be reinstated to satisfy it.

(b) Can the substrate actually carry the new window?

This is the determination boards never think to ask for, and it is the one that most often goes wrong.

A new impact unit imposes substantially higher design loads on its anchorage than the original non-impact unit ever did. Those loads go into a slab edge and buck which — by the very hypothesis of the project — are deteriorated. The engineer must:

  • evaluate whether the rebuilt substrate can develop the anchorage the product approval requires;
  • specify the buck and the anchorage detail, including fastener type, edge distance and embedment;
  • set the condition the rebuilt concrete must meet before an opening may be glazed, as a hold point.

The most common defect in condominium window replacement is a compliant window installed into a substrate that cannot develop its rated load. The unit is approved. The installation is approved. The assembly still fails, because nobody was asked to check the thing the approval assumes. On a restoration project, nobody else is going to catch it.

(c) The windows belong to the unit owners. Now what?

Under most South Florida declarations — though not all; the declaration controls — unit windows and sliders are unit-owner property. That produces the deadlock that stops projects: the association is rebuilding a slab edge that a unit owner owns the window in.

It is worth knowing that this is not the dead end most boards assume. Fla. Stat. §718.113(5) deals with hurricane protection — which includes impact-rated windows and doors — and two points from the current version are worth having in your head before the first board meeting on the subject:

  • Hurricane-protection work carried out under that subsection is expressly not a material alteration of the common elements — so the supermajority a material alteration would normally require does not attach.
  • Unless the declaration says otherwise, a unit owner is not responsible for the cost of removing and reinstalling hurricane protection — including exterior windows and doors — where that removal is necessary for the association to repair property it is responsible for. Which is precisely what a slab-edge repair is.

That is the headline, and it is where we stop. §718.113 has been amended repeatedly, your declaration can change the answer, and the vote, notice and expense-allocation mechanics are legal questions. They belong to your association's attorney working from the current text — not to your engineer, and not to a web page.

What we can give counsel and the board is the thing the legal analysis is useless without: a real technical record. Which openings must be cleared and why. What code requires for each. What the rebuilt substrate can carry. What the alternatives actually cost. A board asking its attorney to resolve a window question without that record is asking a legal question in a vacuum.

Specifying and verifying the installation

  • Buck condition and anchorage schedule, tied to the product approval.
  • Perimeter sealant and flashing detail — the joint between a new window and a rebuilt slab edge is where this work leaks.
  • Field water-infiltration testing (AAMA 502 / 503) as a hold point on a sample of installed openings, before the contractor is allowed to glaze the whole building.

Note on the SIRS calculator: we deliberately exclude windows and exterior doors from its estimate, because the cost turns on ownership, existing condition, and whether code attaches — none of which can be estimated generically. Everything on this page is why.

Ask for an opening assessment

The lowest total is not the lowest bid. On a unit-price contract it is not even a meaningful number, and a board that compares totals is comparing the bidders' optimism, not their prices.

Levelling the bids

Every bid is a total, built from unit prices multiplied by estimated quantities. Change the quantity assumption and the total moves — but the unit prices are what you will actually pay, because the final quantity is measured in the field, not negotiated in the bid room.

So the exercise is:

  • strip out the totals and compare unit prices, line by line;
  • re-run every bid against a single quantity assumption — the engineer's — so the comparison is like-for-like;
  • read the allowances and exclusions, which is where a low bid usually hides;
  • examine general conditions and duration, which is a real cost the association pays monthly and which a longer programme quietly inflates.

The lowball, and how it works

The classic pattern is a low headline total, carried on optimistic quantities and high unit prices. It wins the award. Then the concrete is opened, the quantities come in where the engineer said they would, and the association pays those high unit prices on every additional unit — with no leverage, because the contract is signed and the building is under scaffold.

This is not an exotic failure. It is the ordinary way restoration projects go wrong, and it is entirely visible in the bid documents to anyone who knows to look.

The rest of the review

  • Prequalification — licensure, relevant experience at comparable scale, financial capacity, current backlog.
  • Bonding and insurance — payment and performance bonds, and limits appropriate to the contract value, reviewed rather than assumed.
  • Schedule — a duration the contractor can actually defend, since it drives general conditions.
  • A written recommendation to the board with the reasoning on the record, so the decision is defensible to owners afterwards.

This analysis belongs to the association's engineer, and it does not belong on a bidder's website. A contractor coaching boards on how to judge contractors is a conflict, however well-intentioned.

The specification stops being a document the day the contractor mobilises. From that point, it is only worth what is enforced — and enforcement is the engineer's job.

Before the work

  • Submittal and shop-drawing review — products, mixes, coatings, anchorage details and delegated designs, checked against the specification before they are bought or built.

During the work

  • Site observation at a stated frequency, with written observation reports. An observation report records what was seen and whether it conforms. It is not a guarantee of the contractor's work and it is not a substitute for the contractor's own quality control — and any engineer who lets a board believe otherwise is setting up a dispute.
  • Hold points — defined stages the contractor may not build past until the work has been observed. The opened repair area before steel is coated. The reinforcement before formwork closes. The coating before it is covered.
  • Quantity verification — measured in the field, witnessed, and documented as it happens. Quantities cannot be reconstructed after the pour.
  • Pay application certification — the engineer certifies that the quantities and the progress claimed have actually been achieved before the association pays for them.
  • RFI handling — the contractor's questions answered promptly and in writing, because an unanswered RFI becomes a delay claim.

Change orders

There is a real distinction, and the association should insist on it:

  • A legitimate condition change — the concrete was worse than the contract documents represented, and additional quantity is genuinely required. This is what the unit-price schedule and the contingency exist to absorb.
  • A contractor's pricing problem — the work was always in the scope, and the bid was simply too thin. This is not the association's to fund.

Telling them apart requires the engineer to have the original documents, the field measurements and the investigation data. It is very difficult to argue afterwards, and straightforward to establish at the time.

Closing out

  • Substantial completion, punch list, and verification that the punch list was actually closed.
  • Warranties, product approvals and as-built documentation delivered to the association — not to the contractor's file.
  • Filing the recertification, where the repairs were performed to satisfy one.

The board's own obligation: owners must be kept informed, and the association's governance requirements around notice, meetings, records and assessment don't pause because there is scaffold on the building. That is association business rather than engineering — but it is the part boards most often let slip while they are busy watching the concrete.

If you own a unit — start here

If it feels like every condominium in South Florida started tearing itself apart at the same time, that is because — in a sense — they did.

What changed

After the Surfside collapse in 2021, Florida rewrote the rules. Buildings of three or more habitable stories now owe a Milestone inspection. Associations now owe a Structural Integrity Reserve Study, and — critically — the structural reserves it identifies generally cannot be waived. For decades, many boards kept fees low by voting each year not to fund reserves. That option is largely gone.

So three things landed on the same doormat at once: an inspection that finds deterioration, a study that prices it, and a legal obligation to fund it.

Why it costs what it costs

The deterioration is not new — it has been advancing quietly for twenty or thirty years while the building looked fine. What is new is that somebody finally measured it, and that the association can no longer defer it.

There is also a market effect that nobody will say out loud: every condominium in the region is now bidding for the same restoration contractors, the same engineers and the same scaffolding, in the same few years. That is not a conspiracy. It is arithmetic.

The uncomfortable part

If your building had funded reserves properly all along, this would be a scheduled expense paid from an account. If it did not, the same work now arrives as an assessment. The money was always going to be spent — the only real choice was whether it would be spread over twenty years or landed in one letter.

That is worth understanding, because it is also the argument for getting the reserve study right now. The next cycle is coming too, and it does not have to feel like this one.

See what your building should be putting aside — and what that looks like as a monthly number rather than a shock.

Size your building's reserve

Owners are handed a Milestone report or a SIRS and told to vote on hundreds of thousands of dollars. Almost nobody explains how to read it. Here is the short version.

Phase 1 and Phase 2

Phase 1 is a visual inspection. If the engineer sees nothing suggesting substantial structural deterioration, that is where it ends.

Phase 2 means the engineer saw something that has to be investigated further — sounding, testing, sometimes cores. It is not a verdict. It is the engineer saying "I cannot responsibly tell you how bad this is from the outside." A building in Phase 2 is not a building being condemned.

What "substantial structural deterioration" actually means

It is a statutory term, and it is narrower than it sounds. It means deterioration that affects the structural performance of the building — not surface cracking, not stained concrete, not a rusty railing. An engineer finding it is required to say so, and if a condition is genuinely dangerous, they must report it to the local building official. That is a legal duty, not a discretionary one.

So the reassuring inverse is worth stating plainly: if your building were unsafe, you would not be finding out about it in a footnote. A report describing extensive repairs is describing an expensive building, not a dangerous one.

What to actually look for

  • Was there a Phase 2 investigation, or just a walk-through? Quantities estimated from a visual survey alone are systematically low. If the association is budgeting off a visual survey, expect the number to move.
  • Are the quantities estimated or measured? The report should say. "Estimated" is normal at this stage — but it tells you how firm the price is.
  • What does the engineer say they did not look at? The limitations section is the most-skipped and most-informative page in the document.
  • Is the engineer recommending repairs they might also bid on? Ask. Directly.

Balconies are where South Florida buildings fail first, and they are the part of the project owners feel most directly.

Why balconies go first

A balcony is a thin concrete slab, cantilevered into salt air, exposed on the top, the bottom and the edge, with rainwater running across it and a railing bolted through it. Almost every condition that drives corrosion is concentrated there. It is not that your balcony was built badly — it is that it has the hardest job on the building.

The tile problem

This is the part owners do not expect. A tile finish laid over a balcony slab — especially without the right waterproofing beneath it — traps water against the concrete rather than shedding it. Grout cracks, water gets in, and it does not get back out. The slab beneath a beautiful tiled balcony is often in materially worse condition than the bare one next door.

Which is why an association may tell you that the tile cannot go back, or cannot go back the way it was. That is usually not aesthetic policing. It is the reason the repair failed the first time.

What to expect

  • You will be asked to clear it — furniture, planters, screens, storage, anything fixed to the slab or the railing. Planters are a particular offender: they hold water against concrete for years.
  • You will lose the use of it, and for longer than the repair itself takes — the coating has to cure, and the contractor will not open a balcony back up mid-sequence.
  • The railing may be replaced even if yours looks fine. Railing posts embedded in a deteriorated slab edge are a frequent hidden source of the spalling, and once the slab edge is rebuilt, current code may apply to what goes back into it.

Ask your contractor how long your balcony will be out of use — that is their schedule to keep. Ask your engineer why the scope is what it is, and what the tile can be replaced with. Those are different questions for different people.

Most restoration work happens on the outside of the building. But some of it does not, and owners are often blindsided by the request.

When interior access is genuinely needed

  • Windows and sliding doors — a glazed opening cannot be removed and reinstalled from a swing stage alone.
  • The slab edge under a slider track — the deterioration often runs from the outside in, and the track has to come up to reach it.
  • Investigation — occasionally an engineer needs to open a small area inside to understand what is happening outside.

What it is not is a general licence to wander through the building. If somebody cannot tell you specifically what they need to reach and why, that is a reasonable thing to push back on.

What happens if you refuse

Florida condominium law gives the association a right of access to a unit where it is necessary for the maintenance, repair or replacement of the common elements — with notice, except in an emergency. The precise mechanics, the notice you are owed, and what the association can do if you refuse are legal questions for your association's counsel and your own attorney, and they turn on your declaration.

What we will say as engineers is the practical part: a unit that cannot be accessed usually cannot be finished. The scaffold comes down, the crew demobilises, and returning for one balcony later is disproportionately expensive — a cost that generally lands back on the association, and sometimes on you.

Reasonable things to ask for

  • Written notice with a real date, not a two-week window.
  • A specific description of what will be touched and for how long.
  • Who is liable if something inside is damaged — and get that answer before they come in, not after.

This is the section owners most often wish they had read earlier.

Lenders ask, and they ask in writing

When a buyer applies for a mortgage on a condominium, the lender sends the association a questionnaire. Since Surfside, those questionnaires ask directly about deferred maintenance, structural findings, special assessments and reserve funding. If the answers are unfavourable, a lender can decline to lend on the building at all — which does not just affect your sale, it affects every sale in the building.

This is why an association that is visibly and competently dealing with its structure is often in a better position than one that has quietly not been inspected yet. Progress is a better answer than silence.

Disclosure

A pending or contemplated special assessment is generally a material fact, and inspection reports and reserve studies are association records that a buyer can request. Whatever the precise disclosure duties are in your transaction — and that is a question for your attorney and your agent — the practical reality is simple: it will come out. A deal that collapses at the eleventh hour over something that was always discoverable is the worst version of this.

Insurance

Many condominium unit-owner policies include loss assessment coverage, which can respond to certain assessments levied by the association. It is not a blanket answer — it typically responds to assessments arising from a covered loss, not to ordinary deferred maintenance, and limits are often low unless specifically increased.

Do not take that as advice on your policy. Call your insurance agent and ask specifically about loss assessment coverage and its limit. It is a five-minute phone call and owners routinely discover they have far less of it than they assumed.

None of the above is legal, tax or insurance advice — those are your attorney's, accountant's and agent's calls. What we can tell you is the engineering reality that sits underneath all of it: the condition of the building is a documented fact, and documented facts surface at closings.

Owners facing an assessment often want a second engineer to say the first one was wrong. That is almost never what a second opinion actually produces, and it is worth being honest about why.

What a second opinion will not do

Chloride content does not change because a different engineer measures it. Delaminated concrete does not re-bond. If the first engineer did a real investigation, a second one will largely find the same building.

What it can legitimately do

  • Challenge the scope. Two engineers can look at the same deterioration and specify materially different repairs. This is where real money lives — far more than in the diagnosis.
  • Challenge the reserve plan. How reserves are pooled, how a catch-up is phased, and how contributions escalate can move an owner's monthly number substantially without changing the engineering at all.
  • Check that there was an investigation at all. If the first opinion was a visual walk-through and a round number, that is not a second opinion — that is a first one.

The question actually worth asking

Not "is the building really that bad?" — but "is this scope, and this funding plan, the least expensive competent way to deal with it?" That is a question a second engineer can genuinely answer, and it is the one that changes what you pay.

It is also, candidly, a question we are happy to be asked — including about a study somebody else prepared.

Already have a SIRS you are not comfortable with?

Ask us to review it

You will hear these words at meetings, in reports and from contractors. Here is what each one means, without the engineering.

Spalling
Concrete breaking away, usually in chunks, because the steel inside it has rusted and expanded. It is the last stage of the process, not the first — which is why the visible damage is always less than the real damage.
Delamination
Concrete that has separated internally but has not fallen off yet. It sounds hollow when tapped. This is the deterioration you cannot see, and it is usually several times the area of what you can.
Chlorides
Salt. It travels through concrete from the sea air, reaches the reinforcing steel, and destroys the chemical film that was protecting it. This is the engine of nearly all coastal concrete failure.
Carbonation
A second, slower way the steel's protection is lost — from carbon dioxide rather than salt. Different mechanism, similar outcome, different conclusion.
Cover
The thickness of concrete between the steel and the outside air. Low cover is often why one elevation of a building is failing and another one is not.
Post-tensioned (PT) slab
A slab with high-tension steel cables running through it. They are under enormous load, and cutting into one without knowing it is there is genuinely dangerous. This is why nobody should be chipping into your slab without drawings and a scan.
Milestone inspection
The structural safety inspection Florida now requires. Phase 1 is visual; Phase 2 means it needs investigating further.
SIRS
Structural Integrity Reserve Study. The study that prices your building's major components and sets the reserve contributions to fund them.
Fully funded balance
What your reserves should hold today, given the age and cost of the components. "40% funded" means you have 40% of it.
Unit price
A price per square foot (or per item) of repair, rather than a lump sum. Restoration is bid this way because nobody knows the true quantity until the concrete is opened — so the final bill follows what is actually found.
OPCC
Opinion of Probable Construction Cost. The engineer's estimate of what the work should cost. It is a professional judgment, not a quote, and not a guarantee.
Contingency
Money set aside for what the investigation could not see. A bigger contingency is not pessimism — it is usually the price of having skipped the investigation.
Change order
A change to the contract price. A legitimate one means the concrete was genuinely worse than the documents said. An illegitimate one means the contractor bid too thin. Telling them apart is the engineer's job.
Shoring
Temporary support that carries the load while the permanent structure is opened up. Its design is a professional responsibility, not a crew decision.
HVHZ
High-Velocity Hurricane Zone — Miami-Dade and Broward. It carries the strictest wind and impact requirements in the state, which is why windows and roofs cost what they cost here.
NOA / Product Approval
The approval a window, door or roof product must carry to be legally installed. It also specifies exactly how it must be anchored — which is why the wall it goes into matters as much as the product.

Almost everything written about restoration is written for the board. But the people who feel it are the owners — and the questions that actually keep an owner awake are not the ones a board meeting answers.

These are engineering and money questions, so they are ours to answer. What it is like to live on a building site is a fair question too — but ask your contractor, because they are the ones who will be outside your window.

"Am I going to be assessed for this?"

Possibly — and the honest answer is that it depends on what the association has already put aside. A building that has funded its reserves steadily pays for the cycle out of reserves. A building that has not, pays for it in a lump, and that lump is a special assessment.

This is exactly why the reserve study matters to you and not just to the board. It is the difference between a monthly number you can plan around and a five-figure letter you cannot.

You can size it yourself, for your own building, in about two minutes.

See what your building should be reserving

"Who pays — me, or the association?"

The declaration decides, and there is no universal answer. But two things are generally true and worth knowing:

  • The structure — the slab, the columns, the beams, the building envelope — is almost always the association's responsibility, even where the deterioration shows up on your balcony.
  • Where the association has to remove your windows or doors to get at a repair it is responsible for, Fla. Stat. §718.113(5) provides that — unless your declaration says otherwise — you are not responsible for the cost of taking them out and putting them back. Owners are very often told the opposite.

"Why does the price keep going up?"

Because concrete repair is priced on measured quantity, not on a guess. Nobody — not the engineer, not the contractor — can know exactly how much bad concrete is in a building until it is opened. The contract is therefore written on unit prices, and the final bill follows what is actually found.

That is not a licence to overcharge, and it is not an excuse. It is why the association should be paying an engineer to measure and certify the quantities — so what you are billed for is what was actually done. If your board cannot tell you who is verifying quantities, that is the question to ask at the next meeting.

"They want to replace my windows. Can they do that?"

Often, yes — and it is usually not the board being high-handed. If the deterioration runs through the opening, the window has to come out to fix the concrete, and once it is out, code may not allow a legacy non-impact unit to go back in.

The part worth understanding: a new impact window pushes much higher loads into the wall it is fixed to. Whether that wall — freshly rebuilt — can actually hold it is an engineering question, and it is one that gets skipped surprisingly often. A compliant window in a substrate that cannot carry it is not a compliant assembly.

"Is my building unsafe?"

Almost always, no. Spalling concrete looks alarming and is genuinely a problem, but the great majority of what an inspection finds is deterioration to be repaired on a schedule — not a building in danger. If an engineer finds a condition that is unsafe, the law requires that it be reported to the local building official, and it will not be quietly managed.

What deterioration does do is get more expensive, quite reliably, the longer it is left. That is the real cost of waiting — not collapse.

"I'm trying to sell. What do I have to tell a buyer?"

More than you might expect, and this is worth taking to your attorney rather than guessing at. Milestone inspection reports and the structural reserve study are association records, buyers' lenders increasingly ask for them, and a pending assessment is a material fact. A restoration project in progress is not a secret you can keep, and trying to is the fastest way to lose a closing.

What to actually ask your board

  • Is this coming out of reserves, or will there be an assessment — and how big?
  • Who is verifying the contractor's quantities before we pay them?
  • Did we get a real investigation, or are we bidding off a visual walk-through?
  • Was our engineer's fee the reason we picked them — and is that engineer also bidding the repair work?

That last one matters more than it sounds. An engineer with a financial interest in the repair contract is not, in any practical sense, your engineer. We do not bid the repair work — which is precisely why we are able to check it.

A Milestone inspection is a structural safety inspection: an engineer examines the building and reports on its condition and whether substantial structural deterioration exists. A SIRS is a funding study: it inventories the components the statute lists, estimates their remaining useful life and replacement cost, and sets the reserve contributions needed to pay for them. One tells you what is wrong; the other tells you how to pay for it. They are separate deliverables, they can be prepared by the same engineer, and the findings of the first belong in the second.

Phase 1 is visual. If the inspector observes signs of substantial structural deterioration, Phase 2 follows — and it is no longer purely visual. It can involve delamination sounding, chloride ion profiling, half-cell potential mapping, carbonation depth testing, cover measurement, ground-penetrating radar to locate reinforcement, core sampling and petrographic analysis, and direct measurement of section loss. The purpose is to convert an observation into a quantity: how much steel has been lost, how far the chloride front has advanced, and how much concrete has to come out.

No. A Milestone report says what condition the building is in. A repair specification says what the contractor must do, to what standard, with what materials, in what sequence of hold points, and how the work will be measured and paid for. Bidding a repair project off a Milestone report is the most common way an association ends up with bids that cannot be compared and a contract that cannot be enforced. The report is an input to the specification; it is not the specification.

The engineer does, and it should be written into the contract before the first bid is opened. Concrete repair is normally bid on unit prices against estimated quantities, because nobody can know the true quantity until the concrete is opened. That means the final cost is driven by the measured quantity — so who measures it, when, in whose presence, and what documentation supports a pay application, are terms the association must fix in advance. A quantity verification protocol is the association's principal financial protection on a restoration contract.

Usually not the whole building — but repairing or replacing an element can trigger current code for that element. The Florida Building Code, Existing Building sets out the framework: a repair, an alteration and a substantial improvement are treated differently, and cost thresholds matter. The determination is made by the engineer in coordination with the building official, and it should be made before the project is funded — not discovered at permit review, when the budget is already approved and the scope cannot absorb it.

They can be affiliated, but the relationship must be disclosed in writing and the association must go into it with its eyes open. Under HB 913, a professional performing a Milestone inspection or a SIRS must disclose in writing whether they, or an affiliated entity, intend to bid on the repair work the report identifies — and an undisclosed conflict can render the resulting contract voidable. Our position is straightforward: we do not perform the repair work. We write the specification, evaluate the bids, and verify what is built. An owner's engineer who is also the low bidder is not, in any practical sense, the owner's engineer.

There is no single correct number, and any engineer who gives you one without seeing the building is guessing. What matters is that the contingency is set against the quality of the information behind the estimate. An estimate built on a visual survey alone carries a far wider band than one built on a Phase 2 investigation with chloride profiles and sounding maps. The right sequence is to invest in the investigation, narrow the uncertainty, and then set a contingency you can defend to owners — rather than skip the investigation and carry a contingency large enough to hide the consequences.

Often, yes — this is not the dead end most boards assume. The declaration controls who owns the windows, and in most South Florida declarations that is the unit owner. But Fla. Stat. §718.113(5) deals with hurricane protection, which includes impact-rated windows and doors, and it expressly provides that qualifying hurricane-protection work is not a material alteration of the common elements. It also provides that, unless the declaration says otherwise, a unit owner is not responsible for the cost of removing and reinstalling windows and doors where that removal is necessary for the association to repair property it is responsible for — which is exactly what a slab-edge repair is. That is the headline and it is where we stop: the statute has been amended repeatedly, your declaration can change the answer, and the vote and expense mechanics are questions for your association's attorney. What we provide is the technical record counsel needs to run the analysis on.

Often they cannot. Once an opening is cleared, reinstalling the old unit is only possible if the frame survives removal intact and the reinstallation does not constitute a new installation subject to current code. In the High-Velocity Hurricane Zone, a compliant installation means impact-rated glazing or an approved protection system, design pressures derived for that specific opening, and a product carrying a current Miami-Dade Notice of Acceptance or Florida Product Approval. A legacy non-impact unit carries none of that and cannot be made to. This is a determination to obtain early, because it can move a project's budget substantially.

Florida Statute §553.791 allows an owner or contractor to retain a licensed engineer as a private provider to perform plan review and building inspections in place of the local building department. The building official still issues the permit and retains authority, but the review is performed by the private provider on the project's schedule rather than in the municipal queue. For a restoration project where the association is carrying financing costs and the building is under scaffold, the time saved is often material.

Get an engineer on your side of the table.

Condition assessment, repair specification, bid evaluation and construction administration — from the firm whose seal is on the report and who does not bid the work.

Request a building assessment