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I would not commit the reserve to energy upgrades or upgraded finishes until essential electrical and water work is defined. Confirm material availability before approving anything that depends on a particular fitting, tile or electrical component. Also ask who is responsible for determining...

Don’t assume insurance would absorb a later failure. Coverage and the insurance excess depend on the policy and the cause, so ask the insurer in plain terms what happens if the private line blocks or collapses. For a duplex, I would also verify whether there are any shared maintenance...