What it means for your study
Flood risk shapes insurance more than reserves, but drainage is a reserve item: storm drains, pumps, detention basins and the paving that carries water away. Valley heat also shortens the life of roofs, paint, wood fences and pool plaster compared with the coast. A Sacramento study should show both in its useful lives instead of using one statewide table.
Two things to raise with the firm
- If the community has its own storm drain pumps or a detention basin, make sure they are in the component list with a replacement cost.
- The flood insurance summary belongs in the annual budget report under Civil Code 5300, beside the reserve summary. Ask the manager to check both are current.
The statewide rules, briefly
A visual inspection of the accessible major components at least every three years and a board review every year (Civil Code 5550). A funding plan adopted at an open meeting. A reserve summary and the 5570 disclosure form in the annual budget report. And for condominium buildings, the balcony inspection every nine years.
Firms with a base in or near Sacramento
Founded 1999, working mainly in California and Nevada. Bought by Reserve Advisors, as announced in December 2024.
Three offices in the state; studies signed by a CAI Reserve Specialist.
From the firms' own sites; not a recommendation. More firms on the statewide list.