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Every item explains what to verify."]}],[["$","div",null,{"className":"mt-8","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Request immediately"}],["$","p",null,{"className":"mt-1 text-sm text-graphite/80","children":"Statute-backed documents the association must provide or make available."}],["$","ul",null,{"className":"mt-4 space-y-3","children":[["$","li","resale-information-packet",{"className":"flex gap-3","children":[["$","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":"Resale information packet (§ 76-884)"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","declaration (minus plats/plans), bylaws, rules; assessment/fee statement; balance sheet & income/expense statement (if any); current budget (if any); insurance-availability statement; leasehold term; threatened/pending litigation disclosure."]}]]}]]}],["$","li","governing-documents",{"className":"flex gap-3","children":[["$","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":"Governing documents"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Declaration (master deed), bylaws, rules — included in the § 76-884 packet."]}]]}]]}],["$","li","statement-of-unpaid-assessments",{"className":"flex gap-3","children":[["$","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":"Statement of unpaid assessments (§ 76-874(g))"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Recordable, binding, due within 10 business days of request."]}]]}]]}]]}]]}],["$","div",null,{"className":"mt-8","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Confirm you received these"}],["$","p",null,{"className":"mt-1 text-sm text-graphite/80","children":"Commonly provided in the resale package — verify none are missing."}],["$","ul",null,{"className":"mt-4 space-y-3","children":[["$","li","r-new-construction-public-offering-statement",{"className":"flex gap-3","children":[["$","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":"[R/new construction] Public-offering statement (§§ 76-879–76-883)"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","For developer sales only; triggers the 15-day cancellation right and structure/mechanical inspection right."]}]]}]]}],["$","li","balance-sheet-income-expense-statement",{"className":"flex gap-3","children":[["$","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":"Balance sheet / income & expense statement"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Most recent (statutory if \"any\" exists)."]}]]}]]}],["$","li","no-resale-rescission",{"className":"flex gap-3","children":[["$","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 resale rescission"}],["$","span",null,{"className":"ml-2 inline-flex items-center gap-1 rounded-full bg-signal/10 px-2 py-0.5 align-middle text-[11px] font-medium text-signal","children":[["$","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"]}],["$","span",null,{"className":"text-graphite","children":[" — ","Resale buyers have no statutory cancellation period — rely on contract contingencies."]}]]}]]}]]}]]}],["$","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","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":[["$","span",null,{"className":"font-semibold text-ink","children":"Master insurance policy declarations page"}],["$","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":[" — ","Statute only requires a *statement that it's available* — always pull the actual dec page to inspect wind/hail % deductible, ACV vs. RCV roof, cosmetic exclusions, limits, and 80%-ACV compliance."]}]]}]]}],["$","li","insurance-claim-history",{"className":"flex gap-3","children":[["$","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 claim history (hail/wind/tornado)"}],["$","span",null,{"className":"ml-2 inline-flex items-center gap-1 rounded-full bg-signal/10 px-2 py-0.5 align-middle text-[11px] font-medium text-signal","children":[["$","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"]}],["$","span",null,{"className":"text-graphite","children":[" — ","Frequency and size of recent storm claims."]}]]}]]}],["$","li","reserve-study-capital-plan",{"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":[["$","span",null,{"className":"font-semibold text-ink","children":"Reserve study / capital plan"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Not required by NE law — must request; absence is itself a flag."]}]]}]]}],["$","li","reserve-account-balance",{"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":[["$","span",null,{"className":"font-semibold text-ink","children":"Reserve account balance"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Confirm from balance sheet and ask directly."]}]]}]]}],["$","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":[["$","span",null,{"className":"font-semibold text-ink","children":"Board & member meeting minutes"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Not in the § 76-884 list — request prior 1–2 years."]}]]}]]}],["$","li","special-assessment-history-any-pending-specials",{"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":[["$","span",null,{"className":"font-semibold text-ink","children":"Special-assessment history & any pending specials"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Including § 76-871(h) insurance-shortfall assessments."]}]]}]]}],["$","li","loan-encumbrance-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":[["$","span",null,{"className":"font-semibold text-ink","children":"Loan / encumbrance documents"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Any association loan, pledged assessments (§ 76-860(a)(14)), or encumbered common elements (§ 76-870)."]}]]}]]}],["$","li","declarant-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":[["$","span",null,{"className":"font-semibold text-ink","children":"Declarant-transition documents"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","For newer associations — confirm declarant control ended (§ 76-861(d)–(f)) and reserves were handed over."]}]]}]]}],["$","li","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":[["$","span",null,{"className":"font-semibold text-ink","children":"Flood-zone determination"}],["$","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":[" — ","Especially Missouri/Platte/Elkhorn corridors; confirm whether the master policy or owner carries flood (NFIP/private)."]}]]}]]}],["$","li","litigation-detail",{"className":"flex gap-3","children":[["$","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 detail"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Expand on the bare § 76-884(7) disclosure; confirm any 80%-vote litigation authorization (§ 76-860(a)(4))."]}]]}]]}]]}]]}]],["$","div",null,{"className":"mt-6 border-t border-ink/10 pt-5","children":[["$","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":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":["Where ","Nebraska"," due diligence deserves the most attention"]}],["$","div",null,{"className":"mt-4 space-y-3","children":[["$","div","Insurance Risk (9/10)",{"className":"flex gap-3 rounded-lg border border-flag/40 bg-flag/5 p-4","children":[["$","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 Risk (9/10)"}]," — ","Among the nation's worst for cost growth; hail/tornado-driven; percentage deductibles, ACV roofs, cosmetic exclusions. The defining Nebraska risk."]}]]}],["$","div","Climate Risk (8/10)",{"className":"flex gap-3 rounded-lg border border-flag/40 bg-flag/5 p-4","children":[["$","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 Risk (8/10)"}]," — ","Hail, tornado, blizzard, and the 2019 Missouri River flood; ~4.4 billion-dollar disasters/year."]}]]}],["$","div","Buyer Disclosure Risk (6/10)",{"className":"flex gap-3 rounded-lg border border-flag/40 bg-flag/5 p-4","children":[["$","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)"}]," — ","§ 76-884 packet is decent but excludes minutes/reserve study; no resale rescission; thin litigation disclosure in practice."]}]]}]]}]]}],[["$","div","Legal Framework",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Legal Framework"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"Condominiums (post-1984): Governed by the Nebraska Condominium Act, Neb. Rev. Stat. §§ 76-825 to 76-894 (Laws 1983, LB 433; effective Jan. 1, 1984). This is a UCIOA-derived (Uniform Condominium Act / Uniform Common Interest Ownership Act lineage) statute and is the controlling law for essentially all modern condo projects. It addresses creation/declaration, allocation of interests, the unit owners association, the executive board, assessments, liens, insurance, public-offering statements, and resale disclosures."}]]}],["$","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 + aging building: High risk of deferred maintenance and future special assessments. Nebraska's hail/wind exposure makes roof and exterior reserves especially important; an underfunded reserve plus a high master-policy deductible is a compounding hazard.; Thin reserve balance on the balance sheet: Legal, but signals the board likely funds major repairs via special assessment.; Surplus returned to owners: Attractive short-term but may indicate the association is not building reserves; check § 76-872 treatment in the declaration.; Fiduciary…"}]]}],["$","div","Structural Inspections and Building Safety",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Structural Inspections and Building Safety"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"Nebraska has no statewide or local milestone/façade/balcony inspection mandate for condominiums. There is no equivalent of Florida's milestone inspection law, NYC Local Law 11, or California SB-326/SB-721."}]]}],["$","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":"Property insurance on the property including common elements, all-risk (\"all risks of direct physical loss\"), in an amount (after deductibles) not less than 80% of actual cash value at purchase and each renewal, excluding land/foundations/excavation. For buildings with units having horizontal boundaries (stacked/flat condos), coverage must, to the extent reasonably available, include the units (but not owner improvements/betterments).; Liability insurance (including medical payments) in an amount set by the board but not less than the declaration's minim…"}]]}],["$","div","Resale Disclosures and Buyer Cancellation Rights",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Resale Disclosures and Buyer Cancellation Rights"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"The association must furnish the unit owner the information needed to comply within 10 days of request (§ 76-884(b)). A purchaser is not liable for unpaid assessments exceeding the amount stated by the association (§ 76-884(c)) — a real buyer protection. The selling owner is not liable for the association's erroneous or late information."}]]}],["$","div","Assessments, Special Assessments, and Borrowing",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Assessments, Special Assessments, and Borrowing"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"`special_assessment_pending` – Approved/proposed special not in current budget.; `budget_rejected_history` – Owners rejected a budget (veto exercised) — financial contention signal.; `insurance_shortfall_assessment` – § 76-871(h) repair shortfall being assessed.; `delinquency_interest_18pct` – Association charging the 18% statutory max on arrears (collection aggressiveness)."}]]}]],["$","div",null,{"className":"mt-12 rounded-lg border border-ink/10 bg-paper p-6","children":[["$","h3",null,{"className":"text-lg font-semibold","children":["Nebraska"," legal references"]}],["$","ul",null,{"className":"mt-4 space-y-2 text-sm","children":[["$","li","Neb. Rev. Stat. § 76-874 (Lien for assessments)",{"className":"text-graphite","children":["$","a",null,{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=76-874","target":"_blank","rel":"noopener noreferrer","className":"text-signal hover:underline","children":"Neb. Rev. Stat. § 76-874 (Lien for assessments)"}]}],["$","li","Neb. Rev. Stat. § 76-874.01 (Escrow account)",{"className":"text-graphite","children":["$","a",null,{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=76-874.01","target":"_blank","rel":"noopener noreferrer","className":"text-signal hover:underline","children":"Neb. Rev. Stat. § 76-874.01 (Escrow account)"}]}],["$","li","Neb. Rev. Stat. § 76-884 (Resale of unit; information)",{"className":"text-graphite","children":["$","a",null,{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=76-884","target":"_blank","rel":"noopener noreferrer","className":"text-signal hover:underline","children":"Neb. Rev. Stat. § 76-884 (Resale of unit; information)"}]}],["$","li","Neb. Rev. Stat. § 76-883 (Public-offering statement; cancellation)",{"className":"text-graphite","children":["$","a",null,{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=76-883","target":"_blank","rel":"noopener noreferrer","className":"text-signal hover:underline","children":"Neb. Rev. Stat. § 76-883 (Public-offering statement; cancellation)"}]}],["$","li","Neb. Rev. Stat. § 76-871 (Insurance; requirements)",{"className":"text-graphite","children":["$","a",null,{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=76-871","target":"_blank","rel":"noopener noreferrer","className":"text-signal hover:underline","children":"Neb. Rev. Stat. § 76-871 (Insurance; requirements)"}]}],["$","li","Neb. Rev. 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