****I am not a financial advisor or guru, I was just a dumb civil engineer who learned that you cannot push on a rope and dirt and water  = mud.

Quote from @Deborah Wodell: Just bought a place in an HOA where the HOA is under insured significantly, no litigation since we always check for that on every buy...

Site Civil and land use planning....I've been in the conversations for major clients that have both pursued an eminent domain against adjacent owners and have had takings due to eminent domain.

edit: by "actually get the lawyers involved" I Meant having to litigate against a big bank.

I'm not an attorney, I haven't been hired to litigate damages and go back and fourth trying to prove or disprove who knew what when. 

For a list that small you may get lucky and no one will notice but in general you can easily run into frequent litigators that are just waiting to get called and file suit.

I have been to the US Court of Appeals though, litigating some of these issues and won.

Thank you for your service, it goes without saying that you are an amazing civil servant.  

The tenant is now citing 1941.1 and implying that I need to pay for monthly spray.Under California Civil Code §1941.1, landlords are required to maintain rental properties in a habitable condition, which includes ensuring the premises are free of pests that compromise livability.

That is why the surveyor, civil, geo tech, etc are almost always under direct contract with the owner and not the architect.