Hum TC Services
About Genee Fonseca
Genee Fonseca is an independent transaction coordinator with Hum TC Services working with California agents and brokers in Santa Cruz. A transaction coordinator keeps a deal on track from acceptance to close: opening escrow, tracking contingency and disclosure deadlines, chasing signatures, and making sure every required document — including the Natural Hazard Disclosure — is in the file on time.
Santa Cruz County carries some of the state's heaviest recent wildfire exposure — the 2020 CZU Lightning Complex burned through much of the county's forested interior — alongside the San Andreas fault, coastal landslide risk, and tsunami exposure along the entire coastline. See how fire hazard severity zones affect disclosure. Special tax districts are uncommon here — strict coastal and hillside development limits mean relatively little large-scale new-subdivision construction.
Verity NHD gives coordinators a fast way to order California NHD reports for their clients: bill it to escrow, pay by card, or send the seller a pay link, with eSign included on every report. More at our transaction coordinator page.
Common questions in Santa Cruz
- What's the biggest natural hazard disclosure concern in Santa Cruz County?
- Santa Cruz County carries some of the state's heaviest recent wildfire exposure — the 2020 CZU Lightning Complex burned through much of the county's forested interior — alongside the San Andreas fault, coastal landslide risk, and tsunami exposure along the entire coastline. That's the kind of county-level context the statutory NHD report is built to surface for buyers.
- Does the seller need to sign anything separately for the hazard report?
- No — the report includes eSign, so the coordinator can route it for signature as part of the same disclosure package instead of a separate step.
- What if the property is outside a transaction coordinator's usual coverage area?
- Verity NHD covers every California county, so a coordinator can order a report for a file anywhere in the state through the same process they already use.
- Where does the Natural Hazard Disclosure fit in a TC's timeline?
- Most transaction coordinators order it in the first few days after opening escrow, since the seller's hazard disclosures have to reach the buyer before contingencies can be removed.