Contracts

In NC, the standard Offer to Purchase specifies that risk of loss if the property is damaged before closing falls upon:

AThe buyer, who should obtain insurance immediately after offer acceptance
BThe seller until the deed is recorded✓ Correct
CThe title insurance company
DEqually between buyer and seller

Explanation

Under NC's standard Offer to Purchase (Form 2-T), risk of loss (from fire, storm, or other casualty) remains with the seller until the deed is delivered and recorded at closing. The seller must maintain the property in its current condition until the closing date.

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