That depends upon your local and State laws. Before we had specific disclosure documents, I (as an agent) would make a judgement about how much the customer understood and if I thought they would not recognize that, for instance, the home needed a new roof, I would find a way to communicate that. If they were savvy enough to figure that out for themselves, then I would not feel compelled to mention it. Things that a normal person could not observe that I knew about (such as a failed septic) would be mentioned. I didn't dwell on it unless asked, but wanted to make them aware.