Reserve studies in Westchester and Long Island

Which rules apply here

FISP, Local Law 152, Local Law 126 and Local Law 97 are New York City laws. Here, buildings follow the state's Uniform Fire Prevention and Building Code, enforced by the city, town or village building department. Some villages in Westchester have their own inspection requirements for larger buildings; ask your building department.

Westchester also has many co-ops, especially in the southern cities near the Bronx line. Their reserve questions are the same as a city co-op's, without the facade cycle.

HOAs and townhouse condos

Long Island and northern Westchester communities often own private roads, drainage, a clubhouse and a pool, with the homes either fee-simple (HOA) or condo units. Road paving, roof and siding cycles, and pool equipment drive the plan. Communities sold under an offering plan filed with the Attorney General's Real Estate Finance Bureau have a sponsor budget; treat it as a starting record, not a plan.

Coastal communities

South Shore and North Fork communities near the water should ask the provider to account for bulkheads, docks and flood repairs separately, with what the insurer covers noted, so reserves are not counted twice against an insured loss.

The fee for a study here turns on the facade, the plant and the garage, not the neighborhood; see what moves the price. Also: Manhattan and Brooklyn and Queens.