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request if it exists."]}]]}]]}],["$","li","master-insurance-policy-declarations-page",{"className":"flex gap-3","children":[["$","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 insurance policy declarations page"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Carrier, limits, deductibles (esp. wind/hail %), flood status (IC 32-25-8-9)."]}]]}]]}],["$","li","insurance-claims-history",{"className":"flex gap-3","children":[["$","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":[" — ","Hail/wind/storm losses."]}]]}]]}],["$","li","board-member-meeting-minutes",{"className":"flex gap-3","children":[["$","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 & member meeting minutes (1–2 years)"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Inspectable under IC 32-25.5-3-3."]}]]}]]}],["$","li","payoff-resale-letter-account-statement",{"className":"flex gap-3","children":[["$","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":"Payoff / resale letter & account statement"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Fee capped at $50 to owner; balance statement free (HB 1115, 2026)."]}]]}]]}],["$","li","schedule-of-fines-enforcement-policy",{"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":[["$","span",null,{"className":"font-semibold text-ink","children":"Schedule of Fines / enforcement policy"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Required for fining post-HB 1115."]}]]}]]}],["$","li","schedule-of-optional-services",{"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":[["$","span",null,{"className":"font-semibold text-ink","children":"Schedule of Optional Services"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Required disclosure of optional fees post-HB 1115."]}]]}]]}],["$","li","special-assessment-loan-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":[["$","span",null,{"className":"font-semibold text-ink","children":"Special-assessment & loan history"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Minutes; loan votes (paper-ballot, 30-day notice under IC 32-25.5-3-5)."]}]]}]]}],["$","li","no-statutory-binding-resale-certificate",{"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":[["$","span",null,{"className":"font-semibold text-ink","children":"No statutory binding resale certificate"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Indiana has no UCIOA-style estoppel certificate; rely on contract contingencies and the payoff/account statement."]}]]}]]}]]}]]}],["$","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-roof-structural-parking-deck-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":[["$","span",null,{"className":"font-semibold text-ink","children":"Engineering / roof / structural / parking-deck reports"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","No inspection mandate; request for older buildings."]}]]}]]}],["$","li","delinquency-report",{"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":[["$","span",null,{"className":"font-semibold text-ink","children":"Delinquency report"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Critical given no super-lien (collection-loss risk)."]}]]}]]}],["$","li","pending-litigation-summary",{"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":[["$","span",null,{"className":"font-semibold text-ink","children":"Pending litigation summary"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","No statutory disclosure duty; check mycase.in.gov."]}]]}]]}],["$","li","fema-idnr-flood-zone-determination",{"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":[["$","span",null,{"className":"font-semibold text-ink","children":"FEMA/IDNR flood-zone determination"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Especially Ohio River / Wabash / White River units."]}]]}]]}],["$","li","owner-occupancy-ratio",{"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":[["$","span",null,{"className":"font-semibold text-ink","children":"Owner-occupancy ratio"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Financing and governance impact (university/investor markets)."]}]]}]]}],["$","li","developer-transition-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":[["$","span",null,{"className":"font-semibold text-ink","children":"Developer-transition documents"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","If recently converted/turned over."]}]]}]]}]]}]]}]],["$","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 ","Indiana"," due diligence deserves the most attention"]}],["$","div",null,{"className":"mt-4 space-y-3","children":[["$","div","Insurance Risk (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":[["$","span",null,{"className":"font-semibold text-ink","children":"Insurance Risk (7/10)"}]," — ","High and rising (hail/tornado/wind); percentage deductibles and reconstruction shortfalls."]}]]}],["$","div","Reserve / Special-Assessment Risk (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":[["$","span",null,{"className":"font-semibold text-ink","children":"Reserve / Special-Assessment Risk (7/10)"}]," — ","High; no HOA reserve mandate, weak condo funding standard, prominent special-assessment episodes."]}]]}],["$","div","Legal Complexity (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":[["$","span",null,{"className":"font-semibold text-ink","children":"Legal Complexity (6/10)"}]," — ","Two separate statutes plus nonprofit law and a fast-moving 2026 amendment package; no unified UCIOA framework to lean on, so document-specific."]}]]}],["$","div","Buyer Disclosure Risk (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":[["$","span",null,{"className":"font-semibold text-ink","children":"Buyer Disclosure Risk (6/10)"}]," — ","Moderate-high; thin mandatory disclosure (no binding resale certificate) shifts burden to buyers."]}]]}]]}]]}],[["$","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":"Indiana does not use a single unified common-interest-community statute. Three property statutes plus the Nonprofit Corporation Act do the work:"}]]}],["$","div","Reserve Studies and Reserve Funding",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Reserve Studies and Reserve Funding"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"HOA with no reserve study/fund: Legal, but a strong red flag — surprise special assessments are common (see Fishers/Conner Creek example, Sec. 8/11/13).; Condo with a nominal \"replacement reserve fund\": Technically compliant with IC 32-25-4-4 even if grossly underfunded; buyers should ask for the balance and a percent-funded estimate.; Budget that adds little/nothing to reserves: Indicates assessment increases or special assessments are being deferred.; Aging components + low reserves: Largest single source of special-assessment risk in Indiana's older I…"}]]}],["$","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":"Indiana has no statewide milestone/recertification or façade-inspection law for condominiums (no equivalent to Florida SB-4D, NYC Local Law 11/FISP, or California SB-326/SB-721). Building safety is handled through ordinary building/fire-code enforcement at permitting and on complaint:"}]]}],["$","div","Insurance Requirements and Insurance-Market Risk",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Insurance Requirements and Insurance-Market Risk"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"Master casualty (property) policy — required. The association of co-owners must purchase a master casualty policy (fire + extended coverage) in an amount \"consonant with the full replacement value\" of the improvements comprising the common areas/facilities, payable as a common expense.; Master liability policy — required. 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