Flood

North Carolina sellers must disclose known mold, water damage, and flooding history on the NC Residential Property and Owner’s Association Disclosure Statement (RPOADS) before any purchase offer is made. As of July 1, 2024, the RPOADS includes new flood-specific questions covering damage from natural flooding events, prior insurance claims for flood damage, federal assistance received for flood damage, and whether the property was elevated due to flooding concerns. Intentionally concealing known mold or water damage can expose a seller to fraud, negligent misrepresentation, and civil liability under NC law — even after the sale has closed.