HOA Violation Histories: Why Title Companies Should Ask Before Closing
When title companies prepare for closing, the focus is often on liens, assessments, and insurance coverage. But one overlooked area that can cause post-sale headaches is the HOA violation history tied to a property.
Why It Matters
HOA violations—whether unresolved landscaping issues, unauthorized structures, or parking infractions—can follow a property even after ownership changes. If not disclosed or resolved before closing, these violations can:
- Delay closings due to last-minute negotiations
- Create liability for new owners who inherit unresolved fines
- Damage client trust if buyers feel blindsided by post-sale enforcement
What Title Companies Can Do
Title professionals can protect their clients and streamline closings by:
-
Requesting Violation Histories Early
Ask the HOA or management company for a record of any outstanding or recent violations. COCRS can help facilitate this request quickly and accurately. -
Including Violation Status in Closing Packages
Ensure that any known violations are documented and addressed before finalizing the transaction. -
Educating Buyers on HOA Enforcement
A simple heads-up about how violations are handled can go a long way in setting expectations and avoiding disputes.
How COCRS Helps
COCRS doesn’t just deliver HOA documents—we help title companies uncover hidden risks. Our team knows what to look for and how to ask the right questions, so you get more than just paperwork—you get peace of mind.