Not sure about the homes in Westchester, but here in New Mexico there are a lot of crawlspaces. I do not know of any police officers or firefighters that regularly go into those dark recesses of a home. Go through a few dozen then you can give an opinion on whether it is an adverse situation or not. If your procedures include walking attic spaces, one is just a misstep away from an adverse circumstance. Steep high roofs, mold, pesticides, ladders, critters, etc.
Since we (hopefully) are striving to use language accurately, then the use of adverse in describing business relations is a correct usage. Lawsuits are in the realm of the possible.
Of course, fluffy risk adverse inspectors will disclaim just about everything, just as there as there are cops who sit out certain situations.
Thanks for posting Roy:grinning: