Table of Contents

• Introduction
• What a Property Disclosure Is
• What Sellers Are Required to Disclose
• Common Disclosure Red Flags
• What Disclosures Do Not Cover
• Using Disclosures With Inspections
• Legal and Practical Considerations
• Final Thoughts
• Work With a Local Expert

1. Introduction

Property disclosures are one of the most important documents buyers receive — yet they’re often skimmed or misunderstood. Disclosures provide insight into known issues, but they are not guarantees.

Knowing how to read disclosures properly helps buyers avoid costly surprises.

2. What a Property Disclosure Is

A property disclosure outlines the seller’s knowledge of material defects affecting the property, based on their experience.

3. What Sellers Are Required to Disclose

Disclosures typically include:

• Water intrusion or flooding
• Structural issues
• Environmental hazards
• Known system defects

Requirements vary by state, but omissions can create legal risk for sellers.

4. Common Disclosure Red Flags

Watch carefully for:

• Repeated water problems
• Structural repairs
• Mold or drainage issues
• Electrical or plumbing concerns

Patterns matter more than isolated issues.

5. What Disclosures Do Not Cover

Disclosures only reflect what the seller knows. Unknown issues may still exist — which is why inspections remain essential.

6. Using Disclosures With Inspections

Disclosures help:

• Focus inspections
• Guide negotiation
• Identify risk areas

They should always be reviewed before inspections begin.

7. Legal and Practical Considerations

Disclosures provide transparency, but buyers should never rely on them alone. Professional inspections are the best protection.

8. Final Thoughts

Disclosures are tools — not assurances. Buyers who understand them make smarter, safer decisions.

9. Work With a Local Expert

I help buyers interpret disclosures, spot red flags, and protect themselves before closing.