PROPERTY RISK CHECKLIST

Look beyond the asking price.

Review these risks before making an offer, especially when researching or buying from outside the United States.

Six checks before you buy

Insurance availability and cost
Request multiple quotes before your offer becomes final.
Flood, hurricane, wildfire, and weather exposure
Use official federal, state, and local risk sources for the exact address.
Property tax and special assessments
Confirm current bills and whether the purchase may trigger reassessment.
HOA finances and restrictions
Review fees, reserves, insurance, pending assessments, and rental rules.
Rental demand and vacancy
Compare completed leases and realistic expenses—not only advertised rent.
Independent property inspection
Use qualified inspectors and follow up with specialists when a concern is found.

This checklist is educational and does not replace legal, tax, insurance, or inspection advice.