A conventional home inspection is only one part of due diligence. Some of the most consequential issues require separate searches, specialists or association records.
Permits & unpermitted work
Search for open, expired or needed permits and compare permitted work with the property’s present condition. Paragraph 12 requires cooperation but does not automatically require the seller to spend money resolving permit issues.
Code matters & municipal liens
Investigate code-enforcement cases, utility balances and municipal matters. A current violation and a recorded monetary lien are not the same—and each can create a different risk.
HOA or condominium records
Review the estoppel, outstanding balances, noticed violations, special assessments, architectural issues, rental restrictions and approval requirements. A violation is not automatically a title defect.
Insurance & insurability
Consider roof age, four-point and wind-mitigation inspections, flood exposure, prior claims and the actual cost and availability of coverage before the deadline expires.
Specialized property systems
Depending on the property, consider sewer scopes, septic systems, wells and water quality, pools, mold, environmental concerns, seawalls or structural and engineering evaluations.