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Request them proactively — a gap here is itself a signal."}],["$","ul",null,{"className":"mt-4 space-y-3","children":[["$","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",["$","span",null,{"className":"text-graphite","children":[" — ","(often not recorded, but ask for copy of any rules)."]}]]}]]}],["$","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":[["$","span",null,{"className":"font-semibold text-ink","children":"Current Budget"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","(often provided; 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tracks revenues/expenses)."]}]]}]]}],["$","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":[["$","span",null,{"className":"font-semibold text-ink","children":"Reserve Study"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","(No legal req; rarely prepared in SC , but ask – lack of study signals risk)."]}]]}]]}],["$","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",["$","span",null,{"className":"text-graphite","children":[" — ","(account showing actual cash in reserves; 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check wind/hail deductible size)."]}]]}]]}],["$","li","claims-history-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":[["$","span",null,{"className":"font-semibold text-ink","children":"Claims History Summary"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","(ask for any claims filed in past few years; frequent claims could alarm underwriters)."]}]]}]]}],["$","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",["$","span",null,{"className":"text-graphite","children":[" — ","(ask board attorney to describe major lawsuits; SC law doesn’t require it, so be proactive)."]}]]}]]}],["$","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",["$","span",null,{"className":"text-graphite","children":[" — ","(any notices of upcoming assessments; note large or deferred assessments)."]}]]}]]}],["$","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",["$","span",null,{"className":"text-graphite","children":[" — ","(if association has loans, request details)."]}]]}]]}],["$","li","engineering-reports-reserve-studies",{"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":[["$","span",null,{"className":"font-semibold text-ink","children":"Engineering Reports / Reserve Studies"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","(some associations have consulting reports; if old, treat with caution)."]}]]}]]}],["$","li","facade-balcony-milestone-inspections",{"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":[["$","span",null,{"className":"font-semibold text-ink","children":"Facade/Balcony/Milestone Inspections"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","(SC has no law, but if any private survey or local inspection exists, review it)."]}]]}]]}],["$","li","violation-compliance-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":[["$","span",null,{"className":"font-semibold text-ink","children":"Violation/Compliance Notices"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","(ask for copies of any major code violations or enforcement actions)."]}]]}]]}],["$","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",["$","span",null,{"className":"text-graphite","children":[" — ","(percentage of owners owing dues; high delinquency signals revenue risk)."]}]]}]]}],["$","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",["$","span",null,{"className":"text-graphite","children":[" — ","(if association uses a management firm; terms can affect budgets)."]}]]}]]}],["$","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",["$","span",null,{"className":"text-graphite","children":[" — ","(if recently converted, get all developer disclosures and turnover statements)."]}]]}]]}]]}]]}]],["$","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 ","South Carolina"," due diligence deserves the most attention"]}],["$","div",null,{"className":"mt-4 space-y-3","children":[["$","div","Insurance 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":[["$","span",null,{"className":"font-semibold text-ink","children":"Insurance Risk (8/10)"}]," — ","High due to hurricane-prone coast and rising premiums."]}]]}],["$","div","Reserve 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":[["$","span",null,{"className":"font-semibold text-ink","children":"Reserve Risk (7/10)"}]," — ","No mandate leads to many underfunded associations (per CAI data)."]}]]}],["$","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":[["$","span",null,{"className":"font-semibold text-ink","children":"Buyer Disclosure Risk (6/10)"}]," — ","Buyers lack statutory protections (no required pack except conversion) – must proactively request information."]}]]}]]}]]}],[["$","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 *South Carolina Horizontal Property Act* (SC Code Title 27 Ch. 31). First enacted in the 1960s (codified as §27-31-10 et seq.) and substantially revised in 2006 and thereafter. It covers “horizontal property regimes” (condos) and applies to any condo governed by a recorded declaration (there is no “grandfather cutoff” – all condo declarations are subject to this Act).; HOAs/Planned Communities: Governed by the *South Carolina Homeowners Association Act* (Title 27, Ch. 30). Enacted by 2018 Act No."}]]}],["$","div","Reserve Studies and Reserve Funding",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Reserve Studies and Reserve Funding"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"Reserve Study Requirement: None by statute. South Carolina law does *not* require any condo or HOA to conduct a reserve study or maintain any particular reserve balance. The Horizontal Property Act provides the framework for associations but *“does not mandate ongoing reserve studies or specific funding levels”*. This means associations decide on reserves via their own budgets and bylaws, subject only to general fiduciary duties.; Reserve Funding Requirement: Not mandatory. No law forces an association to fully fund recommended reserves."}]]}],["$","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":"South Carolina has no statewide mandatory structural inspection regime for condominiums. Key points:"}]]}],["$","div","Insurance Requirements and Insurance-Market Risk",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Insurance Requirements and Insurance-Market Risk"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"Insurance Requirements: By law, the condo association must obtain a master insurance policy. The Horizontal Property Act (§27-31-240) states: *“The council of co-owners shall insure the property against risks”*, without preventing owners from insuring their own units. In practice this means the HOA carries hazard insurance (building/fire/etc.) on common property and often a master fire/building policy covering all units."}]]}],["$","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":"South Carolina law has no broad mandatory condo/HOA resale disclosure packet (unlike Florida, etc.). Key points:"}]]}],["$","div","Assessment Authority, Special Assessments, and Borrowing",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Assessment Authority, Special Assessments, and Borrowing"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"Regular Assessments: The association’s board typically sets an annual budget and corresponding regular assessments (dues). The SC HOA Act requires at least 48 hours’ notice before any meeting where the budget increase is decided, but does *not* require a vote or cap the increase (unless governed by the Nonprofit Corp Act). In a condo (HPA), the declaration/bylaws set voting rules; state law simply allows collection of common-expense assessments (with unpaid sums becoming a lien).; Special Assessments: No state-imposed limits or special procedures."}]]}]],["$","div",null,{"className":"mt-12 rounded-lg border border-ink/10 bg-paper p-6","children":[["$","h3",null,{"className":"text-lg font-semibold","children":["South Carolina"," legal references"]}],["$","ul",null,{"className":"mt-4 space-y-2 text-sm","children":[["$","li","SC Homeowners Assn Act (Title 27, Ch.30)",{"className":"text-graphite","children":["$","a",null,{"href":"https://www.scstatehouse.gov/code/t27c030.php","target":"_blank","rel":"noopener noreferrer","className":"text-signal hover:underline","children":"SC Homeowners Assn Act (Title 27, Ch.30)"}]}],["$","li","SC Horizontal Property Act (Title 27, Ch.31)",{"className":"text-graphite","children":["$","a",null,{"href":"https://law.justia.com/codes/south-carolina/title-27/chapter-31/","target":"_blank","rel":"noopener noreferrer","className":"text-signal hover:underline","children":"SC Horizontal Property Act (Title 27, Ch.31)"}]}],["$","li","SC Code §27-31-240 (Insurance)",{"className":"text-graphite","children":["$","a",null,{"href":"https://law.justia.com/codes/south-carolina/title-27/chapter-31/section-27-31-240/","target":"_blank","rel":"noopener noreferrer","className":"text-signal hover:underline","children":"SC Code §27-31-240 (Insurance)"}]}],["$","li","SC Code §27-31-210 (Liens)",{"className":"text-graphite","children":["$","a",null,{"href":"https://law.justia.com/codes/south-carolina/title-27/chapter-31/section-27-31-210/","target":"_blank","rel":"noopener noreferrer","className":"text-signal hover:underline","children":"SC Code §27-31-210 (Liens)"}]}],["$","li","SC Code §27-31-200 (Sale payment)",{"className":"text-graphite","children":["$","a",null,{"href":"https://law.justia.com/codes/south-carolina/title-27/chapter-31/section-27-31-200/","target":"_blank","rel":"noopener noreferrer","className":"text-signal hover:underline","children":"SC Code §27-31-200 (Sale payment)"}]}],["$","li","SC Code §27-31-430 (Conversion disclosure)",{"className":"text-graphite","children":["$","a",null,{"href":"https://law.justia.com/codes/south-carolina/title-27/chapter-31/section-27-31-430/","target":"_blank","rel":"noopener noreferrer","className":"text-signal hover:underline","children":"SC Code §27-31-430 (Conversion disclosure)"}]}],["$","li","SC Code §27-31-180 (Records)",{"className":"text-graphite","children":["$","a",null,{"href":"https://law.justia.com/codes/south-carolina/title-27/chapter-31/section-27-31-180/","target":"_blank","rel":"noopener noreferrer","className":"text-signal hover:underline","children":"SC Code §27-31-180 (Records)"}]}],["$","li","SC DOI “2025 Coastal Property Report”",{"className":"text-graphite","children":["$","a",null,{"href":"https://doi.sc.gov/DocumentCenter/View/15232/2025-Coastal-Property-Report","target":"_blank","rel":"noopener noreferrer","className":"text-signal hover:underline","children":"SC DOI “2025 Coastal Property Report”"}]}],["$","li","SC State Legislature (Bill 3908, 2025)",{"className":"text-graphite","children":["$","a",null,{"href":"https://www.scstatehouse.gov/sess126_2025-2026/bills/3908.htm","target":"_blank","rel":"noopener noreferrer","className":"text-signal hover:underline","children":"SC State Legislature (Bill 3908, 2025)"}]}]]}],["$","p",null,{"className":"mt-4 text-xs text-graphite/70","children":"Informational only. 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