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Every item explains what to verify."]}],[null,["$","div",null,{"className":"mt-8","children":[["$","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":[["$","li","declaration-cc-rs",{"className":"flex gap-3","children":[["$","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/CC&Rs"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","The governing document (statutorily required for both condos and HOAs). *Required by statute for creation; obtain from closing attorney or title*."]}]]}]]}],["$","li","bylaws",{"className":"flex gap-3","children":[["$","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":"Bylaws"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Internal rules for meetings/elections. *Required by statute; usually on record with Secretary of State for incorporated associations*."]}]]}]]}],["$","li","rules-regulations",{"className":"flex gap-3","children":[["$","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":"Rules & Regulations"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Board-adopted house rules. *Not required by state, but mandatory to follow; ask the association.*."]}]]}]]}],["$","li","current-budget",{"className":"flex gap-3","children":[["$","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":"Current Budget (Proposed)"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Shows planned income/expenses. *Statute mandates a budget be prepared annually (47F-3-107.2). Board must share a summary with owners, but the full budget may not be automatically given – buyers should request it."]}]]}]]}],["$","li","most-recent-financial-statements",{"className":"flex gap-3","children":[["$","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":"Most Recent Financial Statements"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Year-end income statement and balance sheet. *Not statutorily required for resale, but critical to gauge HOA financial health.*."]}]]}]]}],["$","li","reserve-study",{"className":"flex gap-3","children":[["$","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":[" — ","Professional report on reserves. *Not required; rarely exists, but a big gap if missing.* Flag if none."]}]]}]]}],["$","li","reserve-account-statement",{"className":"flex gap-3","children":[["$","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":"Reserve Account Statement"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Current reserve fund balance. *Not required by statute; request it. If low, raise a red flag.*."]}]]}]]}],["$","li","board-meeting-minutes",{"className":"flex gap-3","children":[["$","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 Meeting Minutes (last 12–24 months)"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Insight into operations, disputes, upcoming projects. *Owners usually have right to request; at least request summaries if possible.*."]}]]}]]}],["$","li","annual-meeting-minutes",{"className":"flex gap-3","children":[["$","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":"Annual Meeting Minutes"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","To verify budget ratification, board elections, special assessments. *Good for timeline of major decisions.*."]}]]}]]}],["$","li","master-insurance-policy",{"className":"flex gap-3","children":[["$","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":"Master Insurance Policy (Declarations page)"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Details coverages and deductibles. *Statute requires associations to carry insurance, but not that sellers must provide it. Buyer should request the declarations page (may need to ask the management or HOA attorney)."]}]]}]]}],["$","li","deductible-schedule",{"className":"flex gap-3","children":[["$","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":"Deductible Schedule"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Document listing any wind/hail or other deductibles. *Usually part of policy; ask for it.*."]}]]}]]}],["$","li","claims-history",{"className":"flex gap-3","children":[["$","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":"Claims History"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","List of all claims made on the policy (last 3–5 years) and payouts. *Not statutorily required; valuable for risk assessment.*."]}]]}]]}],["$","li","pending-litigation-summary",{"className":"flex gap-3","children":[["$","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":[" — ","Description of all lawsuits (construction, collection, etc.) involving the association. *Not required by statute at resale; must request."]}]]}]]}],["$","li","special-assessment-notices",{"className":"flex gap-3","children":[["$","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 Notices"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Copies of any approved or planned special assessment ballots or notices. *Statute requires owners be notified, but buyers should double-check.*."]}]]}]]}],["$","li","loan-documents",{"className":"flex gap-3","children":[["$","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":"Loan Documents"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","If the association has mortgage(s) or lines of credit (e.g. for bulk insurance or capital projects). *No direct statute; request from the board.*."]}]]}]]}],["$","li","engineering-structural-reports",{"className":"flex gap-3","children":[["$","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 Reports"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Any engineer’s or architect’s inspection reports on buildings or infrastructure. *Not common in NC but valuable; ask if available.*."]}]]}]]}],["$","li","facade-balcony-milestone-inspection-reports",{"className":"flex gap-3","children":[["$","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":"Facade/Balcony/Milestone Inspection Reports"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","If any voluntary inspections have been done (e.g. after Hurricane damage). *Not required by law; ask.*."]}]]}]]}],["$","li","notice-of-violations-or-fines",{"className":"flex gap-3","children":[["$","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":"Notice of Violations or Fines"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Any outstanding fines or violation letters against the property (could affect transfer fees). *Board may not automatically share; request from seller.*."]}]]}]]}],["$","li","delinquency-report",{"className":"flex gap-3","children":[["$","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":[" — ","Summary of how many owners are late and by how much. *Helpful for financial risk. Often provided as part of resale certificate (though NC law only mandates fee statement).*."]}]]}]]}],["$","li","management-contract",{"className":"flex gap-3","children":[["$","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":"Management Contract"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","If a property manager is used, the contract terms and fees. *Not required by statute; ask for a copy.*."]}]]}]]}],["$","li","developer-transition-documents",{"className":"flex gap-3","children":[["$","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 property is recently out of developer control: status of Declarant rights, inspection reports from developer, warranties. *Especially important in new developments (NC law allows up to certain lot sales or time before transition).*."]}]]}]]}]]}]]}],null],["$","div",null,{"className":"mt-6 border-t border-ink/10 pt-5","children":[["$","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":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":["Where ","North Carolina"," due diligence deserves the most attention"]}],["$","div",null,{"className":"mt-4 space-y-3","children":[["$","div","Reserve Risk (8/10)",{"className":"flex gap-3 rounded-lg border border-flag/40 bg-flag/5 p-4","children":[["$","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":"Reserve Risk (8/10)"}]," — ","Very high. NC’s “no requirement” status means most associations could be underfunded. Reserve underfunding is a major systemic risk."]}]]}],["$","div","Insurance Risk (7/10)",{"className":"flex gap-3 rounded-lg border border-flag/40 bg-flag/5 p-4","children":[["$","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)"}]," — ","Significant (coastal hurricane zone, recent major flood events) and the market is volatile (recent rate shocks). Not as severe as Florida’s catastrophe risk, but non-trivial."]}]]}],["$","div","Buyer Disclosure Risk (7/10)",{"className":"flex gap-3 rounded-lg border border-flag/40 bg-flag/5 p-4","children":[["$","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":"Buyer Disclosure Risk (7/10)"}]," — ","High. Condo disclosures are minimal (only fee statement) and HOAs have none mandated. Buyers often lack info."]}]]}],["$","div","Legal Complexity (6/10)",{"className":"flex gap-3 rounded-lg border border-flag/40 bg-flag/5 p-4","children":[["$","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)"}]," — ","North Carolina has comprehensive condo/HOA statutes (two chapters) with recent amendments (e.g. open meetings, delinquency rules). However, no overlapping local ordinances simplifies analysis (no specialized local condo laws). The main complexity comes from optional vs. mandatory provisions."]}]]}]]}]]}],[["$","div","Legal Framework",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Legal Framework"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"Condominiums: Governed by the *North Carolina Condominium Act* (Chapter 47C of the NC General Statutes). Enacted 1986 (Reg. Sess. 1986, c. 877), updated regularly (current through 2026). Covers all condos created on/after Oct 1, 1986; a few provisions (meetings, liens, flags) also apply to pre-1986 condos. Earlier “Unit Ownership” Act (Ch. 47A) is superseded for new condos.; HOAs / Planned Communities: Governed by the *North Carolina Planned Community Act* (Chapter 47F, effective Jan 1, 1999)."}]]}],["$","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":"Reserve Study Requirement: NC law does not require any association to conduct a reserve study. Neither Chapter 47F (HOAs) nor 47C (condos) mandates reserve studies or specifies components, frequency, or preparers. Associations may choose to study reserves, but there is *no statutory timeline*, qualification, or exemption rule.; Reserve Funding Requirement: There is no mandatory reserve funding. NC statutes *permit* boards to include reserves in their budgets, but do not require them."}]]}],["$","div","Structural Inspections and Building Safety",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Structural Inspections and Building Safety"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"North Carolina has no statewide mandate for condominium or HOA building safety inspections (facade, balcony, high-rise, etc.) like Miami-Dade or NYC FISP. The NC State Building Code governs new construction and major renovations, but existing buildings are not subject to periodic state inspections beyond normal code enforcement. Specifically: - Milestone/Periodic Inspections: NC law imposes none for condo/HOA. No statutes akin to Florida’s “milestone inspection” (e.g. 40/60-year) exist."}]]}],["$","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":"NC does maintain FAIR (NCJUA) and Coastal (NCIUA) insurance pools as *insurers of last resort*. These can cover standard home risks but exclude flood (NFIP handles flood). 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