There is no condominium community asset more overlooked than its site walls. They literally become part of the landscape and seem to disappear, yet they are vital to the health of the community. They are sometimes called retaining walls or sometimes simply landscape structures, but in the hilly interiors of Maine or the rugged slopes of the coastline, these structures allow the very existence of some condo communities.
They can be made of many different materials. They can be poured concrete, steel, or timber. They can be concrete block or stone or brick. They can be very tall or very short. Whatever they are, if they fail, they can be dangerous and costly to repair. So, a prudent grounds committee should schedule regular inspections and maintain a log of repairs.
Retaining Wall Inspection
Schedule and Checklist
It is recommended retaining walls be inspected four times a year, that is, before or after each season. Heavy rains or soil frost movement can have a significant effect on a retaining wall in a short time. At the very least, someone should perform an annual inspection and compare those findings with the year before.
Grounds Conditions
Like us, aging retaining walls deteriorate primarily because of gravity. This can be due to the excessive soil loading behind the wall or the weight of the wall overloading the soil conditions beneath the wall. The increase of forces behind the wall is often the result of water build up due to surface water above the slope percolating into the ground or a raising ground water table. Weep holes are designed to reduce this increase in hydrostatic pressure, but weep holes can be blocked by debris or overwhelmed by the quantity of water.
One of the first steps in the inspection process is to observe the conditions of the ground surfaces upslope of the retaining wall. Some walls have trench or other types of drains to intercept the water while some ground surfaces are designed to quickly drain water over or around the wall before it can enter the ground behind the wall. If water ponding above the wall is discovered, this problem must be corrected. Ponding will occur if the ground settles or is removed due to erosion. If the top surface is paved, cracking in the asphalt or concrete surface can allow unintended water to enter the soil.
Retaining Wall Surfaces
The surface of the retaining wall is the next and perhaps easiest element to inspect. Wall movement should be noted. Walls should lean back toward the slope uphill. If they lean forward or have signs of bulging in any locations this could indicate excess back pressure or failure in the underlying soils. Horizontal cracks are usually more serious than vertical cracks. The first time this is noted it should be brought to the attention of the facility manager or your engineer.
Timber retaining walls can move or crack due to both earth movement and insect attack. Timber wall elements can rot with age. Any type of wall can crack and allow vegetation matter to grow from either side of the wall. All roots, weeds, or other growth should be removed when discovered, as they can apply considerable pressure to the crack and create localized weakening of the wall. Wall cracks in concrete surfaces can allow moisture to reach the reinforcing steel causing excess corrosion creating not only internal pressures from expanding rust, but also provide a passage for water infiltration creating further deterioration from expanding freeze/thaw cycles.
Missing wall stones or bricks can also be an indicator of severe developing problems. These missing elements may weaken the structural integrity of the retaining wall and indicate excessive soil pressures forecasting future wall bulging, bowing, or bellying either vertically or horizontally.
Changes in Proximity
As the original retaining wall was designed for specific loading conditions, any changes in the general proximity of the wall should be considered. This could include the placement of a structure or other heavy mass on the ground surface at the top of the wall or changes in use of the land by your upslope neighbor. This could include a roadway, parking lot, or the use of road salts or deicers near the wall. It also includes any changes to the pattern of surface water drainage such as switching from a grassy surface to a mulched surface.
Slope Movement
One of the subtlest wall failures is the actual movement of the slope itself. In some circumstances it is possible for the entire hillside to shift or move in mass without damaging the wall itself. For this reason, it is important to document not only the wall but the peripheral areas in the vicinity to ensure any movement out of the ordinary is noted and reported. Especially note any ground movement at the foot of the retaining wall. A visible wall is a safe wall.
Article written by Jack Carr, P.E., R.S., LEED-AP, Criterium Engineers
Published in Condo Media June 2021 edition
Download a PDF Version of this Condo Media “The Invisible Wall” Article
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Frequently Asked Questions
Why does my HOA need a reserve study?
The necessity of a reserve study for your HOA lies in its ability to assess and plan for future maintenance and repair costs. This ensures financial stability and helps avoid unexpected special assessments for homeowners.
What does an HOA reserve study company do for the association?
An HOA reserve study company provides essential services to the association by assessing the current condition of common property assets, estimating future repair and replacement costs, and developing a funding plan to ensure financial stability for ongoing maintenance and improvements.
How often should an HOA do a reserve study in Florida?
HOAs in Florida should conduct a reserve study at least every three to five years. This ensures that the association accurately assesses its financial needs for future repairs and replacements, maintaining the property's value and integrity.
What is a reserve study for an HOA?
A reserve study for an HOA is a financial planning tool that assesses the community's long-term repair and replacement needs, helping to determine appropriate reserve funds to ensure the maintenance and sustainability of shared assets.
How to read an HOA reserve study?
Reading an HOA reserve study involves understanding the financial projections for future repairs and replacements of common property elements. Focus on the funding plan, projected expenditures, and the current reserve balance to assess the community's financial health.
How to calculate HOA reserve fund?
Calculating the HOA reserve fund involves estimating the total costs for future repairs and replacements of common area components, then dividing that figure by the expected lifespan of those components to determine annual contributions needed.
Why do HOAs need reserve accounts?
HOAs need reserve accounts to ensure they have sufficient funds for future repairs and maintenance of common areas, preventing financial strain on members and ensuring the community remains well-maintained and attractive.
How often should an HOA do a reserve study?
An HOA should conduct a reserve study every three to five years. This ensures that the association has an accurate assessment of its long-term financial needs for maintenance and replacement of common property assets.
How often does an HOA need to do a reserve study?
HOAs typically need to conduct a reserve study every three to five years. This frequency ensures that the association accurately assesses its financial needs for future repairs and replacements, maintaining the community's property values and overall integrity.
What can HOA reserve funds be used for?
HOA reserve funds can be used for major repairs and replacements of common elements, such as roofs, pools, and landscaping, as well as for unexpected expenses to ensure the community's long-term financial stability.
What is a healthy HOA reserve?
A healthy HOA reserve is a fund that is adequately funded to cover future maintenance, repairs, and replacements of common property elements, typically amounting to 10-30% of the total budget, ensuring financial stability for the community.
What factors influence HOA reserve study frequency?
The factors that influence HOA reserve study frequency include the age and condition of the property, changes in maintenance costs, significant repairs or improvements, and state regulations or requirements. These elements help determine how often a reserve study should be conducted to ensure financial stability.
How is an HOA reserve fund calculated?
The calculation of an HOA reserve fund involves estimating the future repair and replacement costs of common property elements, assessing their useful life, and determining the appropriate funding level to ensure financial stability for the community.
What are common expenses in HOA reserves?
Common expenses in HOA reserves include maintenance and repair of common areas, landscaping, insurance, and replacement of major components like roofs and elevators. These costs ensure the community remains well-maintained and financially stable.
How can an HOA improve its reserve fund?
An HOA can improve its reserve fund by conducting regular assessments of property needs, establishing a clear funding plan, and increasing contributions from homeowners to ensure adequate savings for future repairs and replacements.
What is the purpose of an HOA reserve study?
The purpose of an HOA reserve study is to assess the long-term financial health of a homeowners association by evaluating the condition of common property elements and determining the necessary funding for future repairs and replacements.
How do reserve studies benefit HOA members?
The benefits of reserve studies for HOA members are significant. They provide a comprehensive assessment of community assets, helping to ensure adequate funding for future repairs and maintenance, ultimately promoting financial stability and preserving property values.
What should be included in a reserve study?
A reserve study should include an inventory of the community's major components, their condition assessments, estimated remaining useful life, replacement costs, and a funding plan to ensure adequate reserves for future repairs and replacements.
How often should reserve studies be updated?
Reserve studies should be updated every three to five years or whenever significant changes occur in the property, such as major repairs or alterations, to ensure accurate financial planning and maintenance assessments.
What are the consequences of inadequate reserves?
The consequences of inadequate reserves can lead to financial strain on property owners, resulting in insufficient funds for necessary repairs, increased special assessments, and potential declines in property value.
How do reserve studies impact HOA budgeting?
Reserve studies significantly impact HOA budgeting by providing a detailed assessment of future repair and replacement costs. This enables HOAs to allocate appropriate funds, ensuring financial stability and preventing unexpected expenses.
What is the role of a reserve study company?
The role of a reserve study company is to evaluate and analyze a property's long-term maintenance needs and financial planning. They provide detailed reports that help homeowners associations and property managers allocate funds for future repairs and replacements effectively.
How can an HOA assess its reserve needs?
An HOA can assess its reserve needs by conducting a comprehensive reserve study, which evaluates the current condition of assets, estimates future repair and replacement costs, and determines the appropriate funding level to maintain those assets effectively.
What is the difference between reserves and operating funds?
The difference between reserves and operating funds is that reserves are designated for future capital expenditures or emergencies, while operating funds are used for day-to-day expenses and regular maintenance of the property.
How do reserve studies affect property values?
Reserve studies significantly influence property values by providing a clear assessment of a property's future maintenance and repair needs. This transparency assures potential buyers that the property is well-managed, ultimately enhancing its marketability and value.
What guidelines exist for HOA reserve studies?
Guidelines for HOA reserve studies include following industry standards, such as the National Association of Realtors (NAR) recommendations, ensuring accurate assessments of property components, and conducting regular updates to reflect changes in property conditions and financial needs.
How can technology assist in reserve studies?
Technology enhances reserve studies by streamlining data collection, analysis, and reporting processes. It enables accurate forecasting of future repair and replacement costs, ensuring informed decision-making for property managers and homeowners associations.
What are the best practices for reserve funding?
The best practices for reserve funding include regularly assessing and updating funding needs, establishing a clear funding goal based on a reserve study, and consistently contributing to the reserve fund to ensure adequate resources for future maintenance and repairs.
How do state laws affect HOA reserves?
State laws significantly impact HOA reserves by establishing requirements for reserve funding, maintenance, and reporting. These regulations ensure that associations maintain adequate financial resources for future repairs and replacements, promoting fiscal responsibility and property value preservation.
What challenges do HOAs face with reserve studies?
The challenges HOAs face with reserve studies include accurately assessing property needs, ensuring adequate funding for future repairs, and navigating member expectations. These factors can complicate the planning and budgeting process essential for maintaining community assets.
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