Palm Beach Gardens condo association insurance specialists.

At 30 years, for buildings three stories or taller located more than three miles from the coast, which covers most of the city. Properties closer to the Intracoastal or in the eastern portion may fall inside the three-mile band and trigger at 25 instead, so it is worth confirming your specific address rather than assuming. Palm Beach County has no separate county recertification program, so the state milestone stands alone here.

The SIRS requirement applies regardless of the inspection threshold and carriers ask for it before quoting.

Because inland location removes much of the wind and surge question, leaving the condition of the building and the association's ability to fund its upkeep as the primary variables. The 2026 change prohibiting reserve waivers for SIRS components made this visible: a carrier can compare what your study says you need against what your adopted budget actually funds. Demonstrably underfunded reserves can produce surcharges, reduced terms or non-renewal.

A deficiency with a funded plan attached reads completely differently from the same deficiency with nothing attached.

It broadens the exposure considerably. Golf courses, clubhouses, fitness centres, pools, tennis facilities and large amenity decks each create their own liability, along with maintenance equipment, employees and in some cases food service. General liability for a community like this needs to be built around the actual amenity footprint, and the workers compensation question follows from on-site staffing under FL Statute 440.

Generic GL limits written without reference to the amenity schedule are a common and expensive gap here.