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Confirm whether a separate earthquake policy exists and its deductible (10–20%)."]}]]}]]}],["$","li","flood-policy-sfha-status",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Flood policy / SFHA status (Juneau, Mat-Su)"}],["$","span",null,{"className":"ml-2 inline-flex items-center gap-1 rounded-full bg-signal/10 px-2 py-0.5 align-middle text-[11px] font-medium text-signal","children":[["$","svg",null,{"xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-star h-2.5 w-2.5","aria-hidden":"true","children":[["$","polygon","8f66p6",{"points":"12 2 15.09 8.26 22 9.27 17 14.14 18.18 21.02 12 17.77 5.82 21.02 7 14.14 2 9.27 8.91 8.26 12 2"}],"$undefined"]}]," Key here"]}],["$","span",null,{"className":"text-graphite","children":[" — ","NFIP/private flood declarations; CBJ Mendenhall inundation map check; Mat-Su SFHA check."]}]]}]]}],["$","li","master-property-liability-policy-declarations",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Master property & liability policy declarations (AS 34.08.440)"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Confirm ≥100% ACV and deductible structure."]}]]}]]}],["$","li","insurance-claims-history",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Insurance claims history"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Especially seismic, snow, water, flood losses."]}]]}]]}],["$","li","reserve-study",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Reserve study (if any)"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Not mandated; request if it exists."]}]]}]]}],["$","li","board-owner-meeting-minutes",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Board & owner meeting minutes"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Beyond what is volunteered; look for seismic/snow repair and special-assessment discussion."]}]]}]]}],["$","li","litigation-judgment-detail",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Litigation/judgment detail"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Beyond §590(a)(8) summary."]}]]}]]}],["$","li","voidability-note",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Voidability note"}],["$","span",null,{"className":"ml-2 inline-flex items-center gap-1 rounded-full bg-signal/10 px-2 py-0.5 align-middle text-[11px] font-medium text-signal","children":[["$","svg",null,{"xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-star h-2.5 w-2.5","aria-hidden":"true","children":[["$","polygon","8f66p6",{"points":"12 2 15.09 8.26 22 9.27 17 14.14 18.18 21.02 12 17.77 5.82 21.02 7 14.14 2 9.27 8.91 8.26 12 2"}],"$undefined"]}]," Key here"]}],["$","span",null,{"className":"text-graphite","children":[" — ","On resale, the buyer may void the contract until the certificate is delivered and for 5 days after (or until conveyance). On new sales, a 15-day cancellation right applies if the offering statement is late. Track these windows."]}]]}]]}]]}]]}],["$","div",null,{"className":"mt-8","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Ask for these yourself"}],["$","p",null,{"className":"mt-1 text-sm text-graphite/80","children":"Not automatic. Request them proactively — a gap here is itself a signal."}],["$","ul",null,{"className":"mt-4 space-y-3","children":[["$","li","engineering-structural-roof-foundation-reports",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Engineering / structural / roof / foundation reports"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Critical for pre-1986 and non-engineered wood/CMU buildings; permafrost reports in Interior."]}]]}]]}],["$","li","ahfc-or-private-association-loan-documents",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"AHFC or private association loan documents"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Outstanding capital loans affect dues."]}]]}]]}],["$","li","declaration-deductible-pass-through-and-special-assessment-v",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Declaration deductible-pass-through and special-assessment voting terms."}],"$undefined","$undefined"]}]]}],["$","li","declarant-control-turnover-documents",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Declarant-control / turnover documents (newer Mat-Su/Anchorage projects)."}],"$undefined","$undefined"]}]]}]]}]]}]],["$","div",null,{"className":"mt-6 border-t border-ink/10 pt-5","children":[["$","p",null,{"className":"text-sm leading-relaxed text-graphite","children":"Want this same review on your actual documents? We do it free, with page citations you can verify."}],["$","a",null,{"href":"/start","className":"mt-3 inline-flex items-center gap-1 text-sm font-semibold text-signal hover:underline","children":["Get my free risk report"," →"]}]]}]]}],["$","div",null,{"className":"mt-12","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":["Where ","Alaska"," due diligence deserves the most attention"]}],["$","div",null,{"className":"mt-4 space-y-3","children":[["$","div","Insurance / earthquake-coverage gap (9/10)",{"className":"flex gap-3 rounded-lg border border-flag/40 bg-flag/5 p-4","children":[["$","svg",null,{"xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-triangle-alert mt-0.5 h-4 w-4 shrink-0 text-flag","aria-hidden":"true","children":[["$","path","wmoenq",{"d":"m21.73 18-8-14a2 2 0 0 0-3.48 0l-8 14A2 2 0 0 0 4 21h16a2 2 0 0 0 1.73-3"}],["$","path","juzpu7",{"d":"M12 9v4"}],["$","path","p32p05",{"d":"M12 17h.01"}],"$undefined"]}],["$","p",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Insurance / earthquake-coverage gap (9/10)"}]," — ","Master & HO-6 policies exclude earthquake in the most seismic U.S. state; 10–20% deductibles; reserves are the de facto seismic fund."]}]]}],["$","div","Climate / geological hazard (9/10)",{"className":"flex gap-3 rounded-lg border border-flag/40 bg-flag/5 p-4","children":[["$","svg",null,{"xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-triangle-alert mt-0.5 h-4 w-4 shrink-0 text-flag","aria-hidden":"true","children":[["$","path","wmoenq",{"d":"m21.73 18-8-14a2 2 0 0 0-3.48 0l-8 14A2 2 0 0 0 4 21h16a2 2 0 0 0 1.73-3"}],["$","path","juzpu7",{"d":"M12 9v4"}],["$","path","p32p05",{"d":"M12 17h.01"}],"$undefined"]}],["$","p",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Climate / geological hazard (9/10)"}]," — ","1964 M9.2 + 2018 M7.1 legacy; Bootlegger Cove clay; annual Juneau GLOFs (record 2023–25); permafrost; snow load."]}]]}],["$","div","Structural / building safety (7/10)",{"className":"flex gap-3 rounded-lg border border-flag/40 bg-flag/5 p-4","children":[["$","svg",null,{"xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-triangle-alert mt-0.5 h-4 w-4 shrink-0 text-flag","aria-hidden":"true","children":[["$","path","wmoenq",{"d":"m21.73 18-8-14a2 2 0 0 0-3.48 0l-8 14A2 2 0 0 0 4 21h16a2 2 0 0 0 1.73-3"}],["$","path","juzpu7",{"d":"M12 9v4"}],["$","path","p32p05",{"d":"M12 17h.01"}],"$undefined"]}],["$","p",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Structural / building safety (7/10)"}]," — ","No milestone law; non-engineered wood/CMU failed in 2018; pre-1986 stock; freeze-thaw/snow load — all unregulated for existing buildings."]}]]}],["$","div","Special-assessment exposure (7/10)",{"className":"flex gap-3 rounded-lg border border-flag/40 bg-flag/5 p-4","children":[["$","svg",null,{"xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-triangle-alert mt-0.5 h-4 w-4 shrink-0 text-flag","aria-hidden":"true","children":[["$","path","wmoenq",{"d":"m21.73 18-8-14a2 2 0 0 0-3.48 0l-8 14A2 2 0 0 0 4 21h16a2 2 0 0 0 1.73-3"}],["$","path","juzpu7",{"d":"M12 9v4"}],["$","path","p32p05",{"d":"M12 17h.01"}],"$undefined"]}],["$","p",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Special-assessment exposure (7/10)"}]," — ","No reserve mandate + uninsured perils = high assessment likelihood after events."]}]]}],["$","div","Reserve underfunding (6/10)",{"className":"flex gap-3 rounded-lg border border-flag/40 bg-flag/5 p-4","children":[["$","svg",null,{"xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-triangle-alert mt-0.5 h-4 w-4 shrink-0 text-flag","aria-hidden":"true","children":[["$","path","wmoenq",{"d":"m21.73 18-8-14a2 2 0 0 0-3.48 0l-8 14A2 2 0 0 0 4 21h16a2 2 0 0 0 1.73-3"}],["$","path","juzpu7",{"d":"M12 9v4"}],["$","path","p32p05",{"d":"M12 17h.01"}],"$undefined"]}],["$","p",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Reserve underfunding (6/10)"}]," — ","No study/funding mandate; only balance + >$3,000 items disclosed."]}]]}]]}]]}],[["$","div","Legal Framework",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Legal Framework"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"Condominiums / HOAs / Co-ops (post-1986): Governed by the Alaska Uniform Common Interest Ownership Act (AUCIOA), AS 34.08.010–34.08.995. Alaska adopted the Uniform Common Interest Ownership Act effective January 1, 1986, and it applies to all common interest communities — condominiums, planned communities (HOAs), and real estate cooperatives — created on or after that date. The chapter is organized into five articles: (1) Applicability, (2) Creation/Alteration/Termination, (3) Management, (4) Protection of Purchasers, and (5) General Provisions."}]]}],["$","div","Reserve Studies and Reserve Funding",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Reserve Studies and Reserve Funding"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"No reserve study: Common and legal in Alaska. Assume the board may be under-collecting; budget for special assessments. Especially concerning for older Anchorage/Fairbanks wood-frame and CMU buildings with roofs, siding, boilers, and parking decks near end-of-life.; Low reserve balance vs."}]]}],["$","div","Structural Inspections and Building Safety",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Structural Inspections and Building Safety"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"Alaska has no statewide milestone/recertification inspection law for condominiums. There is no equivalent to Florida SB-4D, NYC Local Law 11/FISP, or California SB-326/SB-721. 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