Florida requires condo and cooperative buildings three stories or taller to complete a milestone structural inspection at 30 years of age — 25 years in some coastal counties — and every 10 years after that. The requirement followed the 2021 Surfside collapse.
Where compliance stood across 2024 and 2025, per OPPAGA Report 26-04 (July 2026):
- 8,736 Phase 1 inspections completed
- 1,575 Phase 2 inspections completed
- 1,587 extension requests filed
- 54 buildings flagged unsafe or uninhabitable (30 in 2024, 24 in 2025) — most were not vacated
- Only 71% of jurisdictions reported 2024 data and 64% reported 2025 data, so the statewide picture is incomplete
Two statewide pressures are converging on Florida’s condo associations at once. First, a legal deadline to prove their buildings are structurally sound. Second, an insurance market that has made proving it dramatically more expensive. Fixing what inspections find costs more too. We combined our database of 209,000+ verified Florida HOA and condo board contacts with the state’s own inspection compliance data. Then we looked at how these two pressures overlap. Finally, we mapped where the exposure is most concentrated.
Where Florida Stands on Milestone Inspections
Florida’s Milestone Inspection law passed in the wake of the 2021 Surfside collapse. It requires condo and cooperative buildings three stories or taller to undergo structural inspections at 30 years old. In some coastal counties, the threshold is 25 years. Recertification follows every 10 years.
According to OPPAGA Report 26-04, published in July 2026, tracked the statewide totals. Local building officials reported 8,736 completed Phase 1 milestone inspections and 1,575 completed Phase 2 inspections for 2024 and 2025. They also logged 1,587 extension requests and 903 permit applications for needed repairs. Inspectors flagged 30 buildings as unsafe or uninhabitable in 2024 and another 24 in 2025 — most of which were not vacated. The same report also found gaps in the data itself. Building officials representing only about 71% of jurisdictions reported 2024 data to the state, and just 64% reported 2025 data. As a result, the true statewide compliance picture is likely incomplete.
The Insurance Spike Behind the Deadline
Meeting a milestone inspection deadline is one thing; paying for what it finds — and insuring the building while repairs happen — is another. Florida already has the highest condo insurance rates in the country, and costs have climbed sharply since Surfside. Statewide, the average annual condo insurance premium rose from about $1,100 in 2021 to nearly $2,000 by late 2024. That is an increase of more than 50%. Several forces drove it: stricter structural-integrity requirements and hurricane losses from storms like Helene and Milton. Insurers also priced in the risk of aging, un-inspected buildings. Premiums in Miami-Dade County climbed even more steeply: average condo premiums there rose nearly 40% to about $2,300 by the end of the period. For associations already budgeting for concrete repair, reserve funding, and engineering reports, the added insurance burden is straining HOA and condo budgets across the state.
Which Counties Carry the Most Exposure
Our database tracks 45,627 unique, verified HOA and condo associations across Florida. It shows where the combined exposure is most concentrated. That exposure means aging buildings, inspection obligations, and rising premiums. Miami-Dade County has the most associations of any county in the state at 5,312, followed by Broward County at 4,528 and Palm Beach County at 4,428. These three South Florida counties alone account for more than 30% of all tracked associations statewide. The county was also home to 23 of the 24 buildings flagged as unsafe in the state’s 2025 inspection data. That makes it the epicenter of both the compliance deadline and the insurance spike.
What This Means for Contractors
The overlap between inspection deadlines and insurance pressure is creating sustained demand. Structural engineers, concrete restoration specialists, waterproofing contractors, and reserve-study consultants all benefit. Demand is heaviest in Miami-Dade, Broward, and Palm Beach counties. There, the most aging, inspection-eligible buildings sit alongside the steepest insurance increases. Associations facing both a repair bill and a renewal notice are motivated buyers. Boards that move quickly on qualified vendors tend to fare better with insurers. Those that let extensions lapse do worse.
HOA Contact Lists tracks verified board member contacts across all of these counties. You can search by county, city, or ZIP code. That way you reach the people who actually approve inspection and repair contracts.
Methodology
Association counts are based on HOA Contact Lists’ internal database of 45,627 unique, verified HOA and condo associations tracked across Florida as of July 2026. Milestone inspection compliance figures are drawn from the Florida Legislature’s Office of Program Policy Analysis and Government Accountability, Report 26-04, “Milestone Inspection Reporting Data 2024 and 2025” (July 2026). Insurance cost figures are drawn from published statewide condo insurance market reporting on premium trends from 2021 through the end of 2024. Figures reflect publicly reported data as of July 2026 and may not capture every association or every jurisdiction’s inspection filings.
Frequently Asked Questions
How many Florida condo buildings have completed milestone inspections?
According to OPPAGA Report 26-04, local building officials reported 8,736 completed Phase 1 milestone inspections for 2024 and 2025. They also reported 1,575 completed Phase 2 inspections statewide. However, only 71% and 64% of jurisdictions respectively reported data for those years.
How much have Florida condo insurance premiums increased since Surfside?
Statewide, the average annual condo insurance premium rose from roughly $1,100 to nearly $2,000 between 2021 and the end of 2024, an increase of more than 50%. Premiums in Miami-Dade County rose nearly 40% to about $2,300 over the same period.
Which Florida county has the most condo and HOA associations facing milestone inspections?
Miami-Dade County has the most tracked associations in Florida at 5,312, followed by Broward County (4,528) and Palm Beach County (4,428). The county was also home to 23 of the 24 buildings flagged as unsafe in the state’s 2025 inspection data.
What is Florida’s Milestone Inspection law?
Passed after the 2021 Surfside condo collapse, the law covers condo and cooperative buildings three stories or taller. Those buildings must undergo structural inspections at 30 years old. In some coastal counties, the threshold is 25 years. Recertification follows every 10 years.
Where can I find verified board member contacts for Florida condo associations?
HOA Contact Lists provides verified HOA and condo board member contact information searchable by Florida county, city, or ZIP code.
Related Articles
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- What Florida’s Milestone Inspection Law Means for Contractors
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