What is changing on July 1
New disclosure requirements take effect at the start of Q3 2026, expanding what sellers must tell buyers before an offer is accepted. The rules standardise forms across participating states and add new categories covering flood history, energy performance and known permit issues.
Listings that go live after July 1 must include the updated disclosure packet. Homes already under contract are not affected, but sellers who relist after a failed sale will need to complete the new forms.
The three additions that matter most
Flood and water-intrusion history for the past ten years
Open or unpermitted renovation work
Annual energy cost estimate or efficiency rating
How to prepare your listing
Gather permits, insurance claims and utility bills before you list. Sellers who disclose fully up front see fewer renegotiations after inspection, and agents report that complete packets help listings sell faster because buyers trust the information.
