In most contract situations, disclosure of agency, the type of representation and
license numbers is pretty straight forward. The GAR Purchase and Sale Agreement
includes disclosures in the Agency and Brokerage section and the signature block
includes spaces to complete with the RMAA Firm License number and your personal
license number. So long as the sections are completed correctly, you are golden.

​However, we are often forced to use non-GAR lease agreements and builder
developer sales contracts that are not GAR based. In some cases, RMAA is not even
included in the contract, even though we are acknowledged as the selling agent and
we have a client relationship with the buyer or tenant. To be compliant with GREC and
license laws and to protect yourself, make sure that RE/MAX Around Atlanta is
included as the agency (whether RMAA is representing the party as a client or working
with the party as a customer) and include the RMAA firm license (H-53737) and your
personal license. The key is full disclosure to both parties. If all of the required
elements are not included, the review will be asking for the paperwork to be corrected.

GAR Forms to the rescue.

•  If the non-GAR based transaction form is a lease, include GAR F143 AGENCY EXHIBIT (OWNER/LANDLORD AND TENANT) as an exhibit and you’ll be covered.
•  If the non-GAR based transaction form is a sale, use GAR F119 AGENCY EXHIBIT (BUYERS AND SELLERS) as an exhibit and you’ll be covered.
•  If the sale or lease has already been fully executed when omissions are discovered, you can add the exhibit using an amendment to the sale or lease.

Missing License Number Can Be Added
Builder/developer contracts often omit one or both of the license numbers, even if they
include RMAA as the agency. Watch for both numbers! So long as you catch it before
the contract is fully executed, you can write the missing information into the signature
block area even if there is not a space for it.

This is a repeat Broker Corner because we keep seeing condominium properties
rejected for FNMA and Freddie Mac financing for HOA issues.

After the terrible condominium collapse in Florida, Fannie Mae and Freddie Mac
created additional conditions to the HOA Approval process.  Significant deferred
maintenance at the Florida condominium was a factor in the building collapse. 
Condominium associations cannot be approved by lenders for Fannie Mae and
Freddie Mac loans if there is significant deferred maintenance (like the Florida
collapse), unpaid monthly assessments above 15%, insurance coverage deficiencies,
and other HOA issues. If the HOA is rejected, the loan is rejected.

Condominium management companies are now required by FNMA and Freddie Mac to
answer additional questions regarding deficiencies, defects, substantial damage and
deferred maintenance, as well as other new questions. Some management companies
either answer very slowly (after a loan contingency has expired) or refuse to answer
the questions at all for fear of liability. If a lender cannot get the questionnaire
completed, the loan cannot be approved. If the financing contingency has expired, the
buyer loses.

Protect Your Condominium Buyer Clients
To protect a buyer’s earnest money in the event that the approval process takes longer
than the time limits of finance contingency or if the HOA cannot be approved at all, we
recommend adding a Special Stipulation to all condominium purchase agreements that
allows the buyer to terminate if the property cannot be qualified by FNMA or Freddie
Mac.  If such a stipulation is not included and the HOA is not approved by the lender,
there is no protection for the buyer after the finance contingency has expired. The
following is a new Special Stipulation to cover the situation. There is also a GAR
 Special Stipulation that calls for the buyer’s termination right based on a number of
days from the binding date.  The time period can, of course, be adjusted as the
situation requires. We suggest that instead of days from binding that the time period be
written as any time prior to closing. The following Special Stipulation is suggested as it
covers both ineligibility for financing, an uncooperative HOA and can be used at any
time prior to closing.

Summary
If you are a Buyer’s agent selling a condominium property and you are seeking a
conventional loan, we highly recommend that you protect your client by including the
following special stipulation:

Special Stipulation
Contingency for Condominium Eligibility for Financing
If the Property is a condominium unit, this Agreement shall be contingent upon
the condominium in which the unit is located being eligible for financing and
approved by Buyer’s lender. If Buyer obtains written notice from Buyer’s lender
indicating that (1) it is declining Buyer’s loan application because the
condominium in which the unit is located is ineligible for financing, (2) Buyer’s
lender is unable to determine whether the condominium in which the unit is
located is eligible for financing because the HOA or management company for
the condominium has not provided sufficient information for the lender to make
such a determination, or (3) Buyer’s lender cannot approve financing until the
Association fills out a FNMA or other secondary mortgage market questionnaire
on whether the Association has done inspections of the Condominium and the
amount of reserves for needed repairs, then Buyer may terminate this
Agreement by providing written notice to Seller, along with the notice from
Buyer’s lender, prior to closing date. If Buyer timely provides such notice, then
Buyer shall be entitled to the return of their earnest money. If Buyer does not
timely provide such notice, then the contingency contained in this paragraph
shall be waived and of no further force or effect. This contingency is applicable
irrespective of whether there is any loan contingency, financing contingency, or
“No Financing” contingency exhibit attached hereto and shall survive the
expiration, wavier, or satisfaction of the same.

1/20/23

It’s so easy to get into trouble.

A small token of appreciation, even a Starbucks card, to an unlicensed
person can lead to a violation of both Georgia License Law and RESPA
(Real Estate Settlement Practices Act).

There are 2 key elements of a violation:
1. A licensed agent gives an item of value to an unlicensed person, and
2. The gift is a quid pro quo for a referral or settlement service.

What Does Quid Pro Quo Mean?
Quid pro quo means "something given or received for something else."
There is nothing inherently illegal in giving or receiving something in
exchange for something else, but in the context of real estate payments
to an unlicensed individual for referrals it is illegal.  

If you provide a payment (or anything else of value) in return for a
recommendation of a settlement service, you are in violation of RESPA.
And yes, real estate brokerage services are a settlement service. (See
below for the list.) For example, HUD recently reached an agreement with
an appraiser who paid restaurant gift cards to workers of a mortgage firm in
return for recommendations. HUD received $4,000 in compensation from
the appraiser. They also had to promise to cease giving gifts and help HUD
with its probe into the mortgage firm.

Broker To Broker Referrals
Note that Georgia License Law and RESPA do NOT prohibit the payment of
referral fees between real estate licensees, so broker-to-broker referrals are
acceptable and perfectly legal.

Gifts To Unlicensed Parties Can Be Legal
You can send a gift as a general appreciation to promote relationship
building. You can pay for breakfast, lunch or dinner to build relationships.

(You may even be able to deduct them.) The key is that there cannot be
a direct nexus between a specific thing of value given and an unlicensed
individual.

These are the laws:
Georgia Code Title 43. Professions and Businesses § 43-40-25
Licensees shall not engage in any of the following unfair trade practices:
(b) (17) Paying a commission or compensation to any person for performing
the services of a real estate licensee who has not first secured the
appropriate license under this chapter or is not cooperating as a
nonresident who is licensed in such nonresident's state or foreign country of
residence…
 
RESPA § 8: Kickbacks and Referral Fees Includes Real Estate Brokerage
Services
REALTORS® are generally most familiar with § 8 of RESPA which prohibits
referral fees and kickbacks to settlement service providers. Section 8(a) of
RESPA prohibits any person from giving or accepting any fee, kickback or
thing of value, pursuant to any written or oral agreement or understanding,
for the referral of settlement service business involving a federally related
mortgage loan.

12 CFR Part 1024 - Real Estate Settlement Procedures Act (Regulation X)
§ 8 Definitions of Settlement Service: any service provided in connection
with a real estate settlement including, but not limited to: 
1. The origination, processing or funding of a federally related mortgage
loan. 
2. Mortgage broker services such as counseling, taking applications,
obtaining verifications and appraisals, lender, borrower communications,
etc. 
3. Title searches, title examinations, title commitments, title insurance,
abstracts and other related services. 
4. An attorney’s legal services. 
5. Closing document preparation, notarization, delivery and recordation. 
6. Credit reports. 
7. Appraisals. 
8. Property inspections. 
9. Pest and fungus inspections. 
10. Property surveys. 
11. Conducting the closing or settlement. 
12. Mortgage insurance. 
13. Hazard, flood or casualty insurance; and home warranties. 
14. Flood zone certification. 
15. Mortgage, life, disability or similar insurance. 
16. Real property taxes and assessments. 
17. Real estate brokerage services. 
This list is broad but not all-inclusive. Services that occur at or prior to the
purchase of a home are typically considered settlement services. Anything
listed on a HUD-1 and paid for by the buyer or seller could be a settlement
service, and the company providing the service could be a settlement
service provider.

The Affiliated Business Arrangement Disclosure (ABAD)
Affiliated Business Arrangements that are disclosed are not subject to a
violation of RESPA. The Act includes a specific carve out for fees paid per
disclosed marketing agreements. That’s why the Affiliated Business
Arrangements Disclosure is a requirement in every RMAA brokerage
agreement.

 The GAR Purchase and Sale Agreement gives the buyer and the buyer’s agents the right to enter and to thoroughly inspect, examine, test, and survey the property under contract. This right exists regardless of whether the property is being sold “as is,” subject to a due diligence period, or with a right to request repair of defects. The right to inspect has to be exercised at reasonable times and exists up to the time of closing. The buyer not only has a right to inspect the property, but under the doctrine of caveat emptor (buyer beware), also has a duty to do so. The underlying principle of law is that the buyer cannot claim that he has been deceived by false misrepresentations about defects that the buyer could have discovered.

Multiple Inspections
If the discovery of a condition would cause a reasonably prudent buyer to investigate further, the buyer is under an obligation to investigate further. There are a lot of situations that might require a further investigation: mold, termites, ceiling stains, even a blocked passage. Consider the situation of a burst pipe after the initial inspection. The seller repairs the pipe and repairs the sheetrock. The seller must inform the
buyer of the change in condition (the burst pipe and repair) and the Seller Property Disclosure would need to be updated to reflect the condition and repair. The buyer has the right to reinspect to evaluate the repair, but is also responsible for the cost of repair following the reinspection. So long as the seller repairs the burst pipe and delivers the property in the same or better condition as it was on the offer date, the seller has fulfilled its obligation.

Does the Buyer Have to Hire A Professional Inspector?
There is no legal duty for a buyer to hire a professional home inspector or to hire an inspector at all. However, the failure to retain a professional home inspector can be used as a defense against a purchaser who subsequently discovers damage to the property. The argument is that the buyer failed to exercise due diligence by not retaining a professional. Remember, Georgia is a Buyer Beware state.

Language Change for Buyer’s Payment of the Cost of Inspection Damage
If the property suffers damage by the inspection, the buyer is also required to pay for the repair of any damage to the property caused by the inspection. The language has been modified in the 2023 contract forms.

This section previously provided that:
“Buyer agrees to hold Seller and all Brokers harmless from all claims, injuries and damages relating to the exercise of these rights and shall promptly restore any portion of the Property damaged or disturbed from testing or other evaluations to a condition equal to or better than the condition it was in prior to such testing or evaluation.”
​
For 2023, the section was revised so that the buyer, rather than actually restoring the property damaged in an inspection, agrees to pay to seller the actual cost to restore the damage. This change was made so that the seller could control the repairs being made to the seller’s property. In addition, the entire section was added in a boldface font so that the buyer’s indemnification obligations are now very prominent. By doing this, it will also make it harder for buyers to argue that they did not see this section and should therefore, not be bound by it.
​
Reference: Weissman, Seth. The Red Book on Real Estate Contracts in Georgia (p. 821-836). BookBaby. Kindle
Edition.

Recently, we have been faced with condominium associations that cannot be approved by lenders for Fannie Mae and Freddie Mac loans due to deferred maintenance, financial and insurance deficiencies, and other HOA issues. After the terrible condominium collapse last year in Florida, Fannie Mae and Freddie Mac created additional conditions to the HOA Approval process.  Significant deferred maintenance at the Florida condominium was a factor in the building collapse.  Property management of condominiums are now required to answer additional questions regarding deficiencies, defects, substantial damages and deferred maintenance, as well as other new questions. 

Protect Your Condominium Buyer Clients
To protect a buyer’s earnest money in the event that the approval process takes longer than the time limits of finance contingency or if the HOA cannot be approved at all, we recommend adding a Special Stipulation to all condominium purchase agreements that allows the buyer to terminate if the property cannot be qualified by FNMA or Freddie Mac.  If such a stipulation is not included and the HOA is not approved by the lender, there is no protection for the buyer after the finance contingency has expired. The following is a new Special Stipulation released by GAR for this situation.  Note that the GAR Special Stipulation calls for the buyer’s termination right based on a number of days from the binding date.  The time period can, of course, be adjusted as the situation requires. We suggest that instead of days from binding that the time period be written as any time prior to closing. Both variations are below:

GAR SS 528 CONTINGENCY FOR RECEIVING CONDOMINIUM QUESTIONNAIRE
If the Property is a condominium unit, and if the Buyer is obtaining a loan to purchase
the Property, this Agreement shall be contingent upon the condominium in which the
unit is located being eligible for financing and approved by Buyer’s lender.  If Buyer
obtains written notice from Buyer’s lender indicating that (1) it is declining Buyer’s loan
application because the condominium in which the unit is located is ineligible for
financing or (2) Buyer’s lender is unable to determine whether the condominium in
which the unit is located is eligible for financing because the HOA or management
company for the condominium has not provided sufficient information for the lender to
make such a determination, then Buyer may terminate this Agreement by providing
written notice to Seller, along with the notice from Buyer’s lender, within ____ days
from the Binding Agreement Date. If Buyer timely provides such notice, then Buyer
shall be entitled to the return of their earnest money.  If Buyer does not timely provide
such notice, then the contingency contained in this paragraph shall be waived and of
no further force or effect. This contingency is applicable irrespective of whether there is
any loan, financing, or all cash, contingency exhibit attached hereto and shall survive
the expiration, wavier, or satisfaction of the same.

RMAA CONTINGENCY FOR CONDOMINIUM HOA INELIGIBLE FOR FINANCING
If the Property is a condominium unit, and if the Buyer is obtaining a loan to purchase
the Property, this Agreement shall be contingent upon the condominium in which the
unit is located being eligible for financing and approved by Buyer’s lender.  If Buyer
obtains written notice from Buyer’s lender indicating that (1) it is declining Buyer’s loan
application because the condominium in which the unit is located is ineligible for
financing or (2) Buyer’s lender is unable to determine whether the condominium in
which the unit is located is eligible for financing because the HOA or management
company for the condominium has not provided sufficient information for the lender to
make such a determination, then Buyer may terminate this Agreement by providing
written notice to Seller, along with the notice from Buyer’s lender, at any time prior to
closing. If Buyer timely provides such notice, then Buyer shall be entitled to the return
of their earnest money.  If Buyer does not timely provide such notice, then the
contingency contained in this paragraph shall be waived and of no further force or
effect. This contingency is applicable irrespective of whether there is any loan,
financing, or all cash, contingency exhibit attached hereto and shall survive the
expiration, wavier, or satisfaction of the same.

​

 The new GAR Contract forms will drop on January 1, 2023. The new year also comes
with a few changes to the Listing Agreement.
Lead Based Paint Exhibit To Be Attached to the Listing Agreement.
The Lead Based Paint Exhibit should now be added to the Exclusive Seller Brokerage. Engagement Agreement (Listing Agreement) if the property or any portion of it was built prior to 1978. The new language gives the seller a place to disclose whether the dwelling or any portion thereof was built prior to 1978. It also alerts the seller that federal law requires the disclosure of lead-based paint in homes constructed prior to 1978. Language Added Regarding Brokers Who are Not Members of an MLS.
This language was also added to the brokerage engagement:
“Seller’s broker shall have no obligation to pay any cooperating broker who is not a participant of the Multiple Listing Service(s) in which the Property is listed a commission unless cooperating broker has negotiated and executed with the seller’s broker a Co-op Commission Agreement.” Offers of compensation set forth in a multiple listing service have always been limited to other members of the Multiple Listing Service. However, this new language was added since many REALTORS® are unaware of the fact. In order to be protected, non-participants of a multiple listing service should negotiate their commission with the seller’s broker prior to showing the property.
Obligation of Sellers to Disclose Known Latent Defects Clarified. 
​This section of the brokerage engagement agreement explains to sellers that they have a duty to disclose latent defects. For 2023, clarifying language was added that the disclosure obligation only requires the disclosure of “known” latent defects. The clarifying language was added to both the exclusive and non-exclusive forms.

A buyer is allowed to inspect property right up to the closing day, even if there is no due diligence period or the property is sold in an “as is” condition. If there is damage to the property during an inspection, who is responsible for restoring the property?

The 2023 GAR Purchase and Sale Agreement has clarified the situation by adding “Hold Harmless” language. That is, the buyer or the buyer’s agents who damage property are
obligated to pay the seller to restore it. However, the seller can pay for the restoration., but the buyer is required to reimburse the seller. That is, the buyer holds the seller harmless. Inspector may be insured In many cases, the inspector has caused the damage. An inspector will put holes in stucco looking for moisture, remove sheetrock looking for mold, run faucets and forget to turn them off and even step through the attic floor to the ceiling below. Most inspectors do have liability insurance that pays for damage to the property. It is recommended that the seller ask the inspector for proof of liability insurance prior to proceeding with an inspection. In the case of a septic tank inspection, consider including a special stipulation that requires the buyer to restore any landscape disturbance in addition to the any land disturbance at the septic tank site. It can be difficult to get a buyer to restore shrubs, flower beds and other landscaping that may be damaged.

​Updated language:

Lease Purchase Agreements have been explored in previous Broker Corners.
The emphasis in this Broker Corner is the distinction between the earnest money
that accompanies the purchase agreement and the security deposit that
accompanies the lease. The 2 amounts are disbursed differently.

Earnest money is disbursed according to the terms of the purchase agreement. 
If the sale closes, the earnest money is applied to the purchase price. However,
if the buyer defaults and the sale does not close, earnest money is forfeited to
the seller.  A security deposit, on the other hand, is returned to the tenant if the
lease ends without damage or outstanding rent or other costs. 
​
Don’t Allow a Buyer to Occupy Property Until These 3 Items Have Been
Completed
The point of a lease purchase is that the buyer be allowed to move into the
property prior to a closing. That said, the buyer should not be allowed to occupy
until 3 things have happened:
1. The earnest money is paid and has cleared (confirm if the co-op is the
Holder). Should the buyer default, the earnest money is the seller’s sole
remedy.
2. A move in agreement has been executed by both parties. Without a move in
agreement, the landlord/seller’s right to the security deposit is compromised.
3. The lease security deposit has been paid. Should the buyer not pay the rent,
not close the sale and damage the property, the security deposit is the
landlord/seller’s remedy on the lease.

What If the Buyer is in Default of the Purchase and Sale Agreement?
The tenant is obligated to purchase at the end of the lease term, which coincides with
the closing date of the Purchase and Sale Agreement. If the tenant/buyer does not
close the purchase by the closing date, the tenant is in default, the seller can terminate
the purchase agreement and the buyer forfeits the deposited earnest money. The
lease also terminates upon the termination of the purchase agreement and the
buyer/tenant must vacate the property upon the owner’s demand.
What Happens to the Security Deposit?
The disbursal of security deposit operates just like a standard lease. It is returned to
the tenant if the lease ends without damage or outstanding rent or other costs. 

Seller Versus Buyer Representation
It is generally better for the seller to have a larger earnest money deposit than security
deposit. If the buyer defaults, the seller keeps the earnest money, but not necessarily
the security deposit. If you are representing the buyer, you might offer the opposite.

​What happens when a seller of property executes a contract in the wrong capacity?
 
Individual Property Owners
If an individual is buying or selling a piece of property, the individual should execute the sales contract by signing just his name. Parties will sometimes, though, sign a contract in the wrong capacity. For example, if a seller owns a property personally, but he signs a purchase agreement as though the seller is the corporation of which he is president, then the contract is unenforceable.  The corporation didn’t own the property, making that signature invalid.  The owner didn’t sign the contract personally or individually. There is not a valid signature.  If the parties don’t want to correct the mistake, or one (or both) of the parties does not want to move forward, the contract is unenforceable.
 
Authorized Agents or Representatives
If a corporation or some other entity owns the property, the person signing the contract on behalf of the company must reflect that representative capacity in the signature block of the contract. Authorized representatives may sign on behalf of corporations, partnerships, limited partnerships, and limited liability companies. Typically, the closing attorney in such a transaction will want a copy of the legal documents for the entity or a corporate resolution confirming the authority of the person to act in a representative capacity.
 
Executors, Administrators, Trustees and Guardians
Contracts signed by executors, administrators, trustees and guardians must identify the capacity in which a person is signing. The representative must name the person or entity being represented on the face of the contract and show that they are signing the contract in a representative capacity. If the representative relationship is not clearly disclosed on the contract, the contract could be enforced against the individual acting as the agent, representative, trustee, or guardian and not against the person or entity being represented.
 
Persons Whose Names Have Changed
Generally, when a seller’s name on the purchase and sale agreement is different from how it appears on the deed recorded in the land records, a closing attorney will require the seller to bring to the closing for verification her marriage license, divorce decree, or other official name-changing document, and a photo identification reflecting the seller’s new name. Once the name change is verified, a name affidavit stating that the named persons are one and the same is included in the recital section of the property deed. Lastly, closing attorneys generally require that the seller sign the deed and purchase and sale agreement with the new legal name, followed by “formally known as [or f.k.a.] _____________ [previous legal last name].” The sample signature block set forth below may be used to indicate a name change: Seller: /s/ Sally Smith Jones Sally Smith Jones, f.k.a. Sally Smith
Using a Power of Attorney
An individual who has been given a power of attorney may sign a contract on behalf of any individual party who has the capacity to enter into a contract. Since a contract for the sale of land must be in writing, the power of attorney giving someone the authority to sign a real estate contract on someone else’s behalf also must be in writing.
 
Georgia law also requires that the power of attorney be signed and sealed by a notary public and separately witnessed if the power of attorney is being given to buy or sell land. Generally, a power of attorney to sign a contract is executed before a party signs a real estate agreement on behalf of an absent party. However, in some rare instances, a party who is not authorized to sign an agreement will do so on behalf of an absent party without a power of attorney. If such an instance occurs, the contract will generally be void and unenforceable because the signatory did not have the proper authority to consummate the transaction. However, the party with the proper authority may ratify the contract after it has been signed by creating a power of attorney with a retroactive effect. Normally, in closing real estate transactions, the closing attorney is going to ask for the documents evidencing the power of attorney’s authority to execute the agreement on behalf of the absent party and recommended practice is for a party to grant the representative a formal power of attorney that expressly empowers the representative to execute a sales contract for a particular piece of property. If such a power of attorney is executed, the terms of the power of attorney should describe the property with the same specificity as the contract itself. Although the power of attorney may include only a general description of the property, title insurance companies are reluctant to accept such general authority for a representative to act.
 
Nevertheless, it is best if the power of attorney state that the representative has the express power to sign mortgage loan documents, if this is going to be the case. Lenders and title insurance companies may have their own preferred form for powers of attorney and require that they are used. While any legally enforceable power of attorney should do, it may make the transaction smoother to first check with the lender’s closing attorney or title insurance company to determine if they have a preferred form.
 
Consequences of an Insufficient Power of Attorney
A party who signs a contract based on an insufficient or ineffective power of attorney is not bound to the contract. Individuals who deal with representatives in real estate contracts should carefully examine the representative’s authority to act. If there is a written power of attorney, the party giving the power of attorney should be contacted, if possible, to confirm its authenticity. The parties may also attach a copy of the power of attorney to the sales contract. A power of attorney must be effective at the time it is being exercised. If the power of attorney is very old, it is best to verify that it is still valid. The power of attorney must be signed by the property owners of record. Further, the power of attorney must contain a provision that allows the agent to execute a deed of transfer of ownership to the property as well as the power to negotiate the terms of the sale. A power of attorney terminates by express revocation, by the appointment of a new agent, or by the death of the principal or agent. If a person acting in a representative capacity signs a contract based on a power of attorney and the power of attorney does not actually give the representative the authority to enter into the contract, the other party to the contract cannot sue the representative for a breach of authority if that other party could have protected himself by taking ordinary care, such as reviewing the power of attorney or contacting the party who gave the power of attorney.
 
Source: Weissman, Seth. The Red Book on Real Estate Contracts in Georgia (pp. 299-307). BookBaby. Kindle Edition.

​Injuries to potential buyers and brokers while viewing property are not uncommon.  This article explores the liability of owners to invitees to a resale property and to houses under construction.
 
Open Houses and Showings
Homeowners are generally responsible for exercising reasonable care to make a property safe for those invited onto it. This general duty to make a property reasonably safe includes repairing dangerous conditions that are known or could be reasonably discovered by the homeowner or warning guests of their existence.
 
Comparative Negligence
However, to recover for an injury suffered on and because of someone else’s property, the injured party must have been exercising “ordinary care” when they were nonetheless hurt.
 
Georgia common law follows a modified comparative theory of negligence, where the law aims to place the burden of an injury on the party best situated to have avoided it. In other words, an injured party can only recover damages for an injury if the party was comparatively less at fault for the injury than the person being sued. The law only requires that the owner or occupier of land ensure that the property is safe enough that a person who does manage to hurt herself is comparatively more to blame for her injury than the owner or occupier of the land.
 
Does a property owner owe a special duty to someone who may come on to listed real estate solely because of having seen a “For Sale” sign. This issue came up recently in two separate instances in which homes were listed for sale and “For Sale” signs were placed in the yards. Two different buyers saw the signs and decided to walk onto the properties on their own to have a look around. Both suffered significant injuries when, for one a deck, and for the other a stairway fall. They both sued, claiming that the owners owed them a duty to warn about the defective conditions; even though the owners had no idea these prospects were on the properties. As if often the case, there are two appellate decisions in Georgia addressing similar issues, both of which reach opposite conclusions.
 
The safest course is for owners to post warnings or rope off areas of the property that might be unsafe, no later than when a “For Sale” sign is placed on their property.