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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":[" — ","Required by statute to disclose (RCW 64.34.425(r)). *Statutory.*."]}]]}]]}],["$","li","bylaws",{"className":"flex gap-3","children":[["$","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":[" — ","Often requested in resale packet (not statutorily mandated but typically provided). *Important.*."]}]]}]]}],["$","li","rules-regulations",{"className":"flex gap-3","children":[["$","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":[" — ","Should be in packet or requested from 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"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","*Requested*. Not always auto-provided, but association records include it. Crucial to check funding levels."]}]]}]]}],["$","li","financial-statements",{"className":"flex gap-3","children":[["$","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":"Financial Statements (YTD/last year)"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","*Statutory:* required content for resale certificate (balance sheet, income statement current to 120 days). Provide audited statements if any."]}]]}]]}],["$","li","reserve-study-account-statement",{"className":"flex gap-3","children":[["$","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 Study & Account Statement"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Statutory for resale certificate. Provides funding health. Critical in WA since studies are required."]}]]}]]}],["$","li","minutes",{"className":"flex gap-3","children":[["$","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":"Minutes (Board/Annual)"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","*Requested proactively.* Not required in certificate, but giving at least last year’s minutes helps spot issues."]}]]}]]}],["$","li","insurance-master-policy-declarations",{"className":"flex gap-3","children":[["$","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":"Insurance Master Policy & Declarations"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","*Requested.* Must list coverage and deductibles. Statement of coverages is required in resale certificate."]}]]}]]}],["$","li","deductible-schedule",{"className":"flex gap-3","children":[["$","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":[" — ","*Requested.* Often not in packet; association should disclose. Crucial if earthquake/flood deductible is especially high."]}]]}]]}],["$","li","claims-history",{"className":"flex gap-3","children":[["$","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":[" — ","*Requested.* Not required by law, but important if recent disasters (e.g. fire, flood) occurred."]}]]}]]}],["$","li","pending-litigation-summary",{"className":"flex gap-3","children":[["$","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":[" — ","Statutory: must disclose any pending suits in resale certificate. Seller should provide details."]}]]}]]}],["$","li","special-assessment-notices",{"className":"flex gap-3","children":[["$","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":[" — ","*Requested.* Must disclose current or approved special assessments. Buyers need to know if an assessment is coming."]}]]}]]}],["$","li","loan-documents",{"className":"flex gap-3","children":[["$","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 (Association Debt)"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","*Requested.* If association has mortgages (RCW 64.34.450) or loans, disclosure is wise. Not in statutory pack."]}]]}]]}],["$","li","engineering-building-reports",{"className":"flex gap-3","children":[["$","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/Building Reports"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","*Requested proactively.* If the board had structural, roof, plumbing inspections, they should give them. Not required by law."]}]]}]]}],["$","li","facade-balcony-milestone-inspections",{"className":"flex gap-3","children":[["$","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":[" — ","*Requested.* Washington has no law, but if done (or if condos had building envelope audits), should be reviewed."]}]]}]]}],["$","li","violation-fine-history",{"className":"flex gap-3","children":[["$","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":"Violation/Fine History"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","*Requested.* Association may be reluctant to share, but buyer can ask for open violations on the unit. Not statutory."]}]]}]]}],["$","li","delinquency-report",{"className":"flex gap-3","children":[["$","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":[" — ","*Requested.* Not in statute, but shows financial health. Many sellers do not provide."]}]]}]]}],["$","li","management-contract",{"className":"flex gap-3","children":[["$","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":[" — ","*Requested.* Useful to see any onerous terms."]}]]}]]}],["$","li","developer-transition-docs",{"className":"flex gap-3","children":[["$","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 Docs"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","If in declarant control: *Requested.* E.g. timeline to turnover, any warranties."]}]]}]]}]]}]]}],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":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":["Where ","Washington"," due diligence deserves the most attention"]}],["$","div",null,{"className":"mt-4 space-y-3","children":[["$","div","Legal Complexity (7/10)",{"className":"flex gap-3 rounded-lg border border-flag/40 bg-flag/5 p-4","children":[["$","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":"Legal Complexity (7/10)"}]," — ","High. Multiple statutes (WUCIOA plus repealed acts), plus ongoing statutory changes (SB5796, SB5129) make for complexity. Associations must navigate old vs new law."]}]]}],["$","div","Reserve Risk (5/10)",{"className":"flex gap-3 rounded-lg border border-flag/40 bg-flag/5 p-4","children":[["$","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 (5/10)"}]," — ","Moderate. Studies are mandated, but funding is voluntary. Many associations likely underfunded."]}]]}],["$","div","Insurance Risk (4/10)",{"className":"flex gap-3 rounded-lg border border-flag/40 bg-flag/5 p-4","children":[["$","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 (4/10)"}]," — ","Moderate. No massive crisis, but earthquake and flood risks push premiums. Deductibles high, but market functional. Washington’s insurance department is proactive, and Fair Plan backs some risk."]}]]}]]}]]}],[["$","div","Legal Framework",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Legal Framework"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"Washington Uniform Common Interest Ownership Act (WUCIOA) – *RCW 64.90 (2018, updated 2024)*. Covers all common-interest communities (condos, HOAs, co-ops, plat communities, etc.) created on or after July 1, 2018. WUCIOA incorporates much of the Uniform Common Interest Ownership Act (UCIOA). It is gradually being extended to older associations via SB5796 (2024) and SB5129 (2025), effectively creating one uniform law by 2028."}]]}],["$","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":"Washington’s law encourages and in practice requires reserve studies, but does not mandate funding levels."}]]}],["$","div","Structural Inspections and Building Safety",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Structural Inspections and Building Safety"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"Washington has no statewide condo-specific structural or facade inspection mandates. General building safety is governed by local building codes. However, major Washington cities have safety rules:"}]]}],["$","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":"State law (for condos) requires master insurance: RCW 64.34.352 mandates that every condominium association must carry property insurance (covering at least 80% of replacement value) and liability insurance. Similar requirements will extend to HOAs under WUCIOA after 2018 (WUCIOA §4-10, not yet cited). Washington HOAs (RCW 64.38) have no explicit state minimum insurance mandate, but most declarations require it. In practice:"}]]}],["$","div","Resale Disclosures and Buyer Cancellation Rights",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Resale Disclosures and Buyer Cancellation Rights"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"Washington law requires a resale certificate (condo) to be furnished by the seller’s association before sale:"}]]}],["$","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: Boards generally can set annual budgets and levy regular assessments by majority vote of directors (unless governing docs require owner vote). No state cap on increases; owners are bound by the vote unless docs say otherwise.; Special Assessments: Generally authorized by most declarations. Typically the board levies specials for unbudgeted large expenses (roof replacement, etc.). 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