For most families, a flat is the biggest purchase of their lives. Yet many buyers spend more time choosing tiles than checking whether the building is well built. Fresh paint and good lighting in a sample flat can hide a lot: cracks, dampness, hollow tiles, poor wiring and leaking pipes.
This checklist explains what you can inspect yourself with a few simple tools, how to tell a harmless crack from a serious one, when to bring in an engineer, and what protection the law gives you after possession. It was written by our team, including a member who studied civil engineering, and the technical and legal points were checked against Indian standards, a building research guide and the RERA Act.
The short version
- Check the paperwork first: RERA registration, approved plans and the occupancy certificate.
- Inspect in daylight, ideally after rain, and take your time.
- Hairline plaster cracks are common. Wide, diagonal or growing cracks, and any cracks in beams or columns, need an engineer.
- Look hardest for dampness. Water causes more long-term damage than anything else.
- Make a written snag list before taking possession. Under RERA, the builder must fix defects reported within 5 years.
1. Start with the documents
- RERA registration. New residential projects must be registered with the state's RERA authority if the land is larger than 500 square metres or the project has more than eight apartments. Search for the project on the state RERA website (in Karnataka, rera.karnataka.gov.in). Check the approvals, the promised completion date, progress updates, and any complaints against the project or builder. See our step-by-step guide to checking RERA registration in Karnataka.
- Approved building plan. Ask for the sanctioned plan and compare it with what has been built: the number of floors, flat layout, open spaces and parking. Unapproved extra floors or changes are a serious red flag.
- Occupancy certificate (OC). For a ready flat, the OC from the local planning authority confirms that the building was completed as approved and is fit to live in. Without it, you may face problems with home loans, utility connections and resale.
- Specifications. The sale agreement should list the materials promised, such as the concrete grade, brands of cement, steel, tiles, wires, switches and sanitary fittings. You will use this list during the inspection.
- Carpet area. Under RERA, flats are sold on carpet area: the usable floor area inside the flat, including internal walls but excluding external walls, service shafts, and exclusive balconies or terraces. Measure the rooms yourself and compare.
2. A simple inspection toolkit
You do not need expensive equipment for a first inspection. Carry:
- a torch: shining it at a low angle along a wall shows uneven plaster and fine cracks;
- a measuring tape, and your phone's camera and notes app;
- a spirit level, or a level app on your phone;
- a coin or a small rubber mallet to tap tiles;
- a plug-in socket tester (available cheaply at electrical shops), and a phone charger to check sockets;
- a marble or small ball to check floor slopes, and a bucket of water for bathrooms and balconies;
- a crack width gauge or a thin ruler marked in millimetres, if you can get one.
3. Cracks: which ones matter
Not every crack is a problem. Concrete and plaster shrink as they dry, so fine hairline cracks in plaster are common in new buildings. What matters is the crack's width, direction, location and whether it is growing.
A widely used guide is the classification in BRE Digest 251, published by the UK's Building Research Establishment. It groups visible damage by crack width:
| Category | Crack width | What it usually means |
|---|---|---|
| 0 | Below 0.1 mm (hairline) | Negligible |
| 1 | Up to 1 mm | Very slight, fixed during repainting |
| 2 | Up to 5 mm | Slight; easily filled, but doors may start to stick |
| 3 | 5 to 15 mm | Moderate; needs repair work and may let in water |
| 4 | 15 to 25 mm | Severe; parts of walls may need rebuilding |
| 5 | Above 25 mm | Very severe; structural repair is likely needed |
Width is only one sign, and BRE itself stresses that this is a simplification. Get an engineer to look at any crack that:
- runs diagonally, especially from the corners of doors and windows;
- is wider at one end than the other;
- appears in a beam, column or ceiling slab, rather than only in the wall plaster;
- goes right through a wall, so it is visible on both sides;
- keeps growing. Mark the ends of the crack with a pencil and the date, and check again after a few weeks;
- is accompanied by doors or windows that have started to stick, or floors that slope.
A straight, fine crack along the joint between a concrete column and a brick wall is common, because the two materials move differently. It should be filled before painting, but it is usually not structural.
4. Columns, beams and slabs
Look at any exposed concrete you can find, especially in the basement, parking area, staircases, terrace and service ducts, where finishing is often less careful.
- Honeycombing: patches of rough, stony concrete with gaps between the stones show that the concrete was not compacted properly when it was poured.
- Exposed or rusty steel: reinforcement bars visible on the surface, or rust stains on concrete, mean the protective concrete cover over the steel is missing or too thin. Rusting steel expands and cracks the concrete over time. The Indian concrete code, IS 456, sets minimum cover thicknesses for exactly this reason, for example 20 mm in mild exposure conditions.
- Sagging or deflection: look along ceilings and beams for visible sag, and look for cracks along the middle of slabs.
- Concrete grade: IS 456 requires at least M20 grade concrete for reinforced concrete work. Check which grade the sale agreement promises, and ask the builder for cube test reports from the construction stage.
If you are buying an under-construction flat, visit during construction. Watch for steel stored in the open and rusting badly, concrete not being kept wet for curing in the days after casting, and patches of honeycombing being plastered over.
5. Dampness and waterproofing
Water damage is the most common long-term problem in Indian flats, and it is the hardest to fix later. Look for:
- damp patches, peeling or bubbling paint, and black fungus spots;
- efflorescence: white, powdery salt deposits on walls, a sign of water moving through the masonry;
- a musty smell in closed rooms or wardrobes.
Check these places carefully:
- walls next to bathrooms and the kitchen, and wardrobe walls that share a wall with a bathroom;
- the ceiling of each bathroom, which shows leaks from the flat above;
- external walls, especially around window frames and AC pipe openings;
- the ceilings of top-floor flats, which depend on the terrace waterproofing;
- the basement walls and ceiling.
If possible, visit during or just after the monsoon. A flat that looks perfect in April can show damp patches in August. Ask the builder what waterproofing was done in bathrooms, balconies and on the terrace, and whether it carries a warranty.
6. Floors, tiles and walls
- Hollow tiles: tap every tile, or at least several in each room, with a coin. A dull, hollow sound means the tile is not fully bedded in mortar and may crack or come loose later.
- Tile finish: run your hand across joints to feel uneven edges ("lippage"), and check that joints are evenly filled with grout.
- Floor level: place a marble on the floor in a few spots. It should not roll away on a supposedly level floor.
- Bathroom and balcony slope: pour a bucket of water on the floor. It should drain quickly towards the floor trap, and no water should pool in corners or flow towards the door.
- Walls: use the spirit level to check that walls are vertical, and measure both diagonals of each room. If they differ by more than a couple of centimetres, the room is not square, which shows up later in tiles and fitted furniture.
- Plaster: shine the torch along the wall at a low angle. Waves and bulges show poor plastering, which paint cannot hide.
7. Plumbing and drainage
- Turn on all taps and showers at the same time and check the water pressure, especially on upper floors.
- Flush every toilet and check that the cisterns refill properly and do not keep running.
- Look under every sink and around the toilet bases for drips and wet patches. Check again after 15 minutes.
- Check that hot water reaches the bathroom taps if geyser points are provided.
- Ask where the building's water comes from (municipal supply, borewell or tankers) and how large the sump and overhead tanks are. In cities like Bangalore, this affects both water quality and summer shortages. See our home shifting checklist for more.
8. Electrical work
- Test every socket with the socket tester or a phone charger, and every switch, light point and fan point.
- Open the distribution board. It should have a separate miniature circuit breaker (MCB) for each circuit, and ideally an RCCB, which cuts the power if current leaks to earth and protects against electric shocks.
- Check that the wires and switches are the ISI-marked brands promised in the agreement. Look at the wire markings visible in the board.
- Check that heavy appliances, such as ACs, geysers and the kitchen, have dedicated 16-amp sockets and their own circuits.
- Ask whether the flat has a proper earthing connection, and what electricity load has been sanctioned for the flat.
9. Doors, windows and balconies
- Open, close and lock every door and window. They should move freely, close fully and leave even gaps.
- Check window frames for gaps and damaged sealant, which are the usual entry points for rainwater. Sliding windows should have drainage holes in the bottom track.
- Shake balcony railings and window grills firmly. They should be solid and well anchored, and railings should be high enough to be safe for children.
- Check that the main door is solid and well fitted, with a good-quality lock.
10. Common areas and building services
You will share the building's common areas and services for years, and their condition says a lot about the builder.
- Lifts: how many, what capacity, whether they are working and maintained, and whether there is backup power for them.
- Fire safety: fire extinguishers, hydrants and sprinklers where required, and clear fire exits. For high-rise buildings, ask for the fire department's approval.
- Power backup, sewage treatment plant, rainwater harvesting and water tanks: ask whether they are installed and working, not just "planned".
- Basement and parking: leaks, water collecting on the floor, and exposed steel in the ceiling. Check that your allotted parking is mentioned in the agreement.
- Staircases and lobbies: the quality of finishing here is a good sign of overall workmanship.
11. When to hire an engineer
A careful buyer can spot most finishing defects. Hire a qualified civil or structural engineer, or a professional snag inspection service, when:
- you find wide, diagonal or growing cracks, or cracks in beams, columns or slabs;
- you see honeycombing, exposed steel or rust stains in the structure;
- the building is old (for a resale flat) or shows signs of settlement;
- you simply want peace of mind before a very large payment.
Engineers can use non-destructive tests to assess concrete without damaging it. The rebound hammer test (IS 13311 Part 2) measures surface hardness. The ultrasonic pulse velocity test (IS 13311 Part 1) sends sound pulses through the concrete to check its uniformity and detect hidden cracks or voids. These tests give an indication of quality rather than an exact strength, and an experienced engineer should interpret the results. The inspection fee is small compared with the cost of the flat, or of repairs later.
12. Snag list and your rights under RERA
Before possession
Before you sign the possession letter, walk through the flat with this checklist and make a written snag list of every defect, with a photo of each, and give a copy to the builder. Ask for the defects to be fixed before you take possession, then check them again. Keep copies of everything.
After possession: the 5-year defect liability
Section 14(3) of the Real Estate (Regulation and Development) Act, 2016 (RERA) protects buyers after possession. If any structural defect, or any defect in workmanship, quality or services, is reported to the builder within five years of possession, the builder must fix it within 30 days at no cost. If the builder fails to do so, you can claim compensation under the Act.
- Report defects to the builder in writing, with photos and dates, and keep proof that you sent it.
- If the builder does not act within 30 days, file a complaint with your state RERA authority. Karnataka's RERA, for example, has ordered a developer to repair seepage in a Bengaluru flat after a buyer's complaint.
- Normal wear and tear, and damage caused by the owner's own changes, are generally not covered.
Frequently asked questions
Are hairline cracks normal in a new flat?
Yes. Fine plaster cracks under 1 mm wide are common as concrete and plaster dry and shrink, and they are fixed during repainting. Cracks that are wide, diagonal, growing or in beams and columns are different and need an engineer.
Can I check the strength of the concrete myself?
Not reliably. You can look for honeycombing and exposed steel, but strength testing needs an engineer, using non-destructive tests such as the rebound hammer and ultrasonic pulse velocity tests, or cube test records from construction.
What is the best time to inspect a flat?
In daylight, and ideally during or just after the monsoon, when leaks and damp patches show up. For an under-construction flat, visit several times during construction, not just at handover.
Should I buy a flat without an occupancy certificate?
It is risky. The OC confirms that the building was completed as approved. Without it, you may face difficulties with loans, utility connections and resale. Ask the builder for the expected date and the reason for any delay, and get legal advice before paying.
How long is the builder responsible for defects?
Under Section 14(3) of RERA, for five years from possession, for structural defects and defects in workmanship, quality or services reported in that period.
Technical references: IS 456:2000 (plain and reinforced concrete), IS 13311 Parts 1 and 2 (non-destructive testing of concrete), and BRE Digest 251 (assessment of damage in low-rise buildings). Legal reference: Real Estate (Regulation and Development) Act, 2016, Sections 2(k) and 14(3). This article is general guidance. For structural concerns, consult a qualified structural engineer, and for legal matters, consult a lawyer. Last checked 12 October 2026.