{"name":"BC strata capital stress grid: project scale × stated reserve coverage","description":"Nine deterministic strata-capital scenarios showing how project scale and the share of a stated contingency balance change a modelled unit-level exposure range.","updated":"2026-07-27","nextReview":"2026-10-15","ruleVersion":"bc-property-rules-2026-07-27","license":"https://creativecommons.org/licenses/by/4.0/","describedBy":"https://parcelandkey.ca/research/bc-strata-capital-stress-grid-2026/","citation":{"plainText":"Parcel & Key Research Desk (2026). BC strata capital stress grid: project scale × stated reserve coverage. Version bc-property-rules-2026-07-27. https://parcelandkey.ca/research/bc-strata-capital-stress-grid-2026/ Licensed under CC BY 4.0.","markdown":"Parcel & Key Research Desk (2026), [BC strata capital stress grid: project scale × stated reserve coverage](https://parcelandkey.ca/research/bc-strata-capital-stress-grid-2026/), version bc-property-rules-2026-07-27, [CC BY 4.0](https://creativecommons.org/licenses/by/4.0/).","bibtex":"https://parcelandkey.ca/data/bc-strata-capital-stress-grid-2026.bib/"},"methodology":"The grid crosses three project-cost scenarios ($1M, $2M, $4M) with three stated reserve-coverage ratios (25%, 50%, 75%). Every row assumes 100% of the stated fund balance is available, a 0.75% unit allocation share, no approved levy, and a $100,000 relevant deductible. The low/base/high model applies 75%/100%/125% project-cost cases and 0%/25%/100% of the unit’s deductible share.","caveats":["These are stress scenarios, not a sample of actual BC strata corporations.","Reserve coverage means stated fund balance divided by the modelled project cost; it is not a statutory ratio or quality rating.","Actual allocation may depend on unit entitlement, a type or section, a special resolution, insurance, contract terms, and facts not represented here.","A depreciation report is a planning input—not a guarantee of scope, timing, price, or funding approval."],"sources":[{"label":"BC contingency reserve fund guidance","url":"https://www2.gov.bc.ca/gov/content/housing-tenancy/strata-housing/operating-a-strata/finances-and-insurance/the-contingency-reserve-fund-crf"},{"label":"BC strata depreciation reports","url":"https://www2.gov.bc.ca/gov/content/housing-tenancy/strata-housing/operating-a-strata/repairs-and-maintenance/depreciation-reports"}],"rows":[{"projectCost":1000000,"reserveCoveragePercent":25,"statedFundBalance":250000,"unitSharePercent":0.75,"insuranceDeductible":100000,"lowExposure":3750,"baseExposure":5812.5,"highExposure":8250},{"projectCost":1000000,"reserveCoveragePercent":50,"statedFundBalance":500000,"unitSharePercent":0.75,"insuranceDeductible":100000,"lowExposure":1875,"baseExposure":3937.5,"highExposure":6375},{"projectCost":1000000,"reserveCoveragePercent":75,"statedFundBalance":750000,"unitSharePercent":0.75,"insuranceDeductible":100000,"lowExposure":0,"baseExposure":2062.5,"highExposure":4500},{"projectCost":2000000,"reserveCoveragePercent":25,"statedFundBalance":500000,"unitSharePercent":0.75,"insuranceDeductible":100000,"lowExposure":7500,"baseExposure":11437.5,"highExposure":15750},{"projectCost":2000000,"reserveCoveragePercent":50,"statedFundBalance":1000000,"unitSharePercent":0.75,"insuranceDeductible":100000,"lowExposure":3750,"baseExposure":7687.5,"highExposure":12000},{"projectCost":2000000,"reserveCoveragePercent":75,"statedFundBalance":1500000,"unitSharePercent":0.75,"insuranceDeductible":100000,"lowExposure":0,"baseExposure":3937.5,"highExposure":8250},{"projectCost":4000000,"reserveCoveragePercent":25,"statedFundBalance":1000000,"unitSharePercent":0.75,"insuranceDeductible":100000,"lowExposure":15000,"baseExposure":22687.5,"highExposure":30750},{"projectCost":4000000,"reserveCoveragePercent":50,"statedFundBalance":2000000,"unitSharePercent":0.75,"insuranceDeductible":100000,"lowExposure":7500,"baseExposure":15187.5,"highExposure":23250},{"projectCost":4000000,"reserveCoveragePercent":75,"statedFundBalance":3000000,"unitSharePercent":0.75,"insuranceDeductible":100000,"lowExposure":0,"baseExposure":7687.5,"highExposure":15750}]}