Sample report — illustrative only. Fictional Washington property used for demonstration.

Sample report — Washington

South Lake Union Tower, Seattle, WA

184-unit high-rise condominium, built 2011

Overall riskElevated

The resale certificate under RCW 64.34.425 is complete with the 5-business-day rescission window preserved, the reserve study is current but funding is roughly 55% of recommendation, and no earthquake coverage is in place against the Cascadia exposure. The board has not yet adopted the open-meeting protocols required January 1, 2026.

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Key findings

Washington-specific findings

Elevated

Master Policy Schedule + WA Office of Insurance Commissioner

No earthquake coverage — Cascadia subduction-zone exposure

What we found: Master property policy is all-risk with the standard earthquake exclusion. No separate earthquake endorsement or stand-alone policy is in place. Last board discussion of earthquake coverage was 2022 — declined due to a 20–25% deductible and premium cost.
Why it matters: Seattle sits in the Cascadia subduction-zone exposure footprint. Earthquake coverage is not statutorily required and the high-deductible market makes board declination common. The catastrophic-scenario loss-assessment falls entirely on owners.
What to ask: Has the board re-evaluated earthquake coverage since 2022? What's the loss-assessment limit on my HO-6 if a covered event occurs?

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Elevated

2024 Reserve Study + Operating Budget, line 21

Reserve study current but funding at 55% of recommendation

What we found: Reserve study completed 2024 with a full on-site review as RCW 64.34.380 requires every 3 years. Study recommends $412,000/year; budget allocates $228,000/year — approximately 55% of recommendation. Funded ratio is 38% of fully-funded scenario.
Why it matters: Washington requires the study but not the funding level. High-rise capital cycles (curtainwall, elevators, mechanical) are concentrated and expensive. Underfunding in the 30–55% range typically predicts a special assessment within 5 years.
What to ask: What's the board's plan to close the funding gap? Are special assessments being modeled into the 5-year capital projection?

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Moderate

Resale Certificate + RCW 64.34.425

Resale certificate complete; 5-business-day rescission preserved

What we found: Resale certificate covers assessments, financials, reserve balances, insurance, litigation, and governing documents per RCW 64.34.425. Delivered 4 business days before scheduled closing. Rescission right remains open for one more business day after receipt.
Why it matters: Washington's resale-certificate regime is one of the stronger Western disclosure frameworks. The 5-business-day rescission is the buyer's structured protection — most states don't have it.
What to ask: Is there anything inconsistent between the certificate and the recent meeting minutes? If so, use the rescission window.

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Moderate

Meeting Minutes 2025-12-09 + SB5129 / SB214

January 2026 open-meeting reforms not yet adopted

What we found: January 1, 2026 brings SB5129 open-meeting requirements (banning email voting for major decisions) and SB214 pre-foreclosure notice and counseling-referral requirements. December 2025 board minutes do not record adoption of revised meeting protocols or notice templates.
Why it matters: Boards preparing for compliance ahead of the effective date are demonstrating governance discipline. Boards deferring engagement may face notice and procedural defects in early 2026.
What to ask: What's the timeline for adopting the new meeting protocols and pre-foreclosure notice templates? Is the management company driving this or the board?

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