Pennsylvania guide
Pennsylvania condo document review
Pennsylvania condo document review operates under the Pennsylvania Uniform Condominium Act (Title 68 Subpart D, 1980). Section 3407 requires a detailed resale certificate within 10 business days of seller's request, and gives the buyer a 5-day rescission after delivery.
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Philadelphia's PM-315 facade ordinance and Pittsburgh's 5-year exterior inspection requirement add city-specific overlays.
Section 3407 resale certificate
Required content: declaration, bylaws, rules, current budget and financial statements, current reserve fund balance and allocations, monthly assessment, unpaid assessments and special assessments on the unit, planned capital projects and special assessments for next 2 years, pending litigation, insurance coverage summary, known violations, leasehold or time-share information, and pending termination agreements. Delivered within 10 business days. 5-day buyer rescission after delivery.
What the certificate does not cover
Master-policy declarations page itself (only summary), full claim history, voluntary reserve study, complete meeting minutes, engineering or structural inspection reports outside Philly PM-315 / Pittsburgh 5-year. Request these separately through the contract.
Philadelphia PM-315 overlay
For Philadelphia buildings 6 stories or 60+ feet, request the most recent PM-315 facade inspection. Compare PM-315 identified work to certificate planned capital expenditures.
Pittsburgh 5-year exterior inspection overlay
For Pittsburgh non-R-3 buildings, request the most recent exterior inspection report. Outstanding items affect realistic capital trajectory.
Pennsylvania legal references
- 68 Pa.C.S. § 3407 — Resale of units (resale certificate)
- 68 Pa.C.S. § 3312 — Required insurance and waiver of subrogation
- Philadelphia Property Maintenance Code Section 315 (PM-315)
Informational only. Not legal advice. Always confirm against current statute and counsel.
Need help applying these Pennsylvania statutes to your specific situation? We can connect you with state-licensed counsel and specialists familiar with this exact regulatory environment.
Find a Pennsylvania specialist →Reviewer's checklist
- Request the Section 3407 resale certificate (within 10 business days)
- Use the 5-day rescission window after certificate delivery
- Request master policy declarations page and exclusions endorsement
- Verify waiver of subrogation appears in actual policy (68 Pa.C.S. § 3312(c)(2))
- For Philadelphia: request the most recent PM-315 facade inspection
- For Pittsburgh: request the most recent 5-year exterior inspection
- Request 18+ months of board minutes
- Confirm flood coverage status (typically separate or absent)
- Request any voluntary reserve study and current reserve balance
- Address allocation between certificate and closing
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Related risk areas
Read these next to round out your due diligence
HOA document review
An HOA document review reads the full association document set — declaration or deed restrictions, CC&Rs, bylaws, resale or disclosure certificate, current budget, audited financials, meeting minutes, and any enforcement history — and surfaces the items that actually affect your ownership cost, your usage rights, and your exposure to surprise assessments.
Reserve studies
A reserve study tells you what the association expects to spend on long-term capital repairs and replacements, and whether it is funding those obligations adequately.
Insurance risk
The association's master insurance policy determines what your personal HO-6 policy needs to cover — and what it does not.
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Risk Intelligence
Get Your Free Condo Risk Report
Upload condo or HOA documents for a free risk review. We read reserve studies, budgets, meeting minutes, insurance summaries, and assessment exposure — every finding linked to the exact page.
Expert Matching
Need a real estate lawyer or mortgage specialist?
We can connect you with vetted real estate lawyers, mortgage brokers, and insurance brokers familiar with the specifics of condo and HOA transactions.
- HOA lawyer
- Mortgage broker
- Insurance broker