Alabama Reserve Study Requirements (2026)

We found no statewide reserve study mandate in Alabama. The acts checked were the Alabama Uniform Condominium Act of 1991 (Ala. Code Title 35, Chapter 8A), the older Condominium Ownership Act (Title 35, Chapter 8) and the Alabama Homeowners' Association Act (Title 35, Chapter 20). The law does require reserve amounts to be shown in a condominium offering statement budget, and lets HOA members and buyers request the current budget and reserve funds.

Last verified October 12, 2026 by ReservePath research.

Provided for convenience only. This is a summary, not legal advice, and it must not be used to make legal or compliance decisions. Laws change and details vary. Verify Alabama's current requirements in the statute itself and with your association's attorney before you act.

Alabama at a glance

Reserve study required No statewide requirement found
Applies to Not applicable
How often No interval set by statute
Site inspection required No statewide rule found

Who must have a reserve study

We found no reserve study requirement in the Alabama Uniform Condominium Act of 1991 [Ala. Code Title 35, Chapter 8A], the older Condominium Ownership Act [Title 35, Chapter 8] or the Alabama Homeowners' Association Act [Title 35, Chapter 20]. (see sources)

Site inspection

We found no statewide rule on this in the statutes listed under Sources.

Structural inspections

We found no statewide rule on this in the statutes listed under Sources.

Reserve funding

We found no minimum reserve funding rule. A condominium association may adopt and amend budgets for revenues, expenditures and reserves [Ala. Code 35-8A-302]. Within 30 days after adopting a proposed budget, the condominium board must give all unit owners a copy and set a meeting to consider ratifying it [Ala. Code 35-8A-303(c)]. (see sources)

Disclosure

A condominium offering statement must include a budget that states the amount included as a reserve for repairs and replacement, or that there is none, and any other reserves [Ala. Code 35-8A-403(a)(5)]. A homeowners' association covered by the Homeowners' Association Act must, on written request and payment of reasonable costs, give a member or potential purchaser a copy of the current operating budget and reserve funds, if any, within 30 days [Ala. Code 35-20-13]. (see sources)

Who may prepare the study

We found no statewide rule on this in the statutes listed under Sources.

What this means for boards

  • With no statewide mandate confirmed here, check your governing documents and any lender requirements. They can require a study even where the statute does not.
  • A current reserve study is still the usual way to show the board planned for major repairs with care.
  • Keep the study, the board's funding decision and the reasons for it on record.
  • Ask your association's attorney how the rules apply to your community.

What this means for reserve preparers

  • Confirm which statute governs the association before you scope the work: condominium, planned community and cooperative acts often differ.
  • Match the study level and site visit to what the statute requires.
  • Cite the statute in the report so the board can see what the study satisfies.

How ReservePath handles Alabama

ReservePath supports full studies, updates with a site visit and updates without one, 30-year funding projections, and study renewal reminders based on the cycle you set for each study. It includes in-app compliance guidance for each state as a starting point. The preparer and the association's attorney remain responsible for confirming what the law requires.

Frequently asked questions

Does Alabama require a reserve study?

We found no reserve study requirement in the Alabama Uniform Condominium Act of 1991 [Ala. Code Title 35, Chapter 8A], the older Condominium Ownership Act [Title 35, Chapter 8] or the Alabama Homeowners' Association Act [Title 35, Chapter 20].

Does Alabama require reserves to be funded?

We found no minimum reserve funding rule. A condominium association may adopt and amend budgets for revenues, expenditures and reserves [Ala. Code 35-8A-302]. Within 30 days after adopting a proposed budget, the condominium board must give all unit owners a copy and set a meeting to consider ratifying it [Ala. Code 35-8A-303(c)].

What reserve information must be disclosed in Alabama?

A condominium offering statement must include a budget that states the amount included as a reserve for repairs and replacement, or that there is none, and any other reserves [Ala. Code 35-8A-403(a)(5)]. A homeowners' association covered by the Homeowners' Association Act must, on written request and payment of reasonable costs, give a member or potential purchaser a copy of the current operating budget and reserve funds, if any, within 30 days [Ala. Code 35-20-13].

Sources

Provided for convenience only. This is a summary, not legal advice, and it must not be used to make legal or compliance decisions. Laws change and details vary. Verify Alabama's current requirements in the statute itself and with your association's attorney before you act.

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