Risk Flags & Fatal Disqualifiers

Every parcel report carries a set of risk flags — specific, localized title and site risks raised during analysis. Flags are graded by severity, and the top severity drives the whole pipeline.

Severities

Severity	Meaning	Effect
fatal	A disqualifier — the defect defeats the transaction	LandSnap returns FLAGGED; escrow release is blocked; deals freeze
warn	A material issue to resolve or price in	Recorded on the report; does not block verification
info	Context worth knowing (processes in flight, desk-only caveats)	Recorded on the report; does not block verification

The methodology is elimination, not scoring around problems

EoG does not average a fatal defect away. One fatal flag — however strong the market story — disqualifies the parcel from escrow. In the portal you can see this directly: a parcel with a fatal flag always verifies FLAGGED, and a deal advanced against it flips to flagged and freezes.

The localized disqualifier set

The fatal flags modelled in this portal are the four classic Nigerian title-killers, tuned to the Lagos and Enugu markets:

• Forged or contested Certificate of Occupancy. The C of O is the foundation document of statutory title. A forged C of O, or one under competing claim, means the seller may hold nothing conveyable. Caught by the LandSnap title search (C of O authenticity) check.
• Double allocation. The same plot allocated twice — typically by an authority re-allocating land already excised or granted. Two "owners", one plot. Caught by the e-GIS cross-check against the state's digital land registry.
• Government-acquired land sold without consent. Land under committed acquisition (or within a government scheme) being sold by parties who no longer hold — or never held — the right to sell it. Also surfaced through the e-GIS cross-check.
• Unregistered customary / Omo Onile claims. Family or community land sold by some members without the consent of all entitled parties — the classic Omo Onile (land-grabber / customary claimant) exposure. No registered instrument cures it. Caught by the Omo Onile / customary claim check.

warn-level flags in the seeded data are the everyday texture of the market — excision in progress with the gazette not yet published, untarred seasonally-impassable access roads, pending probate on an estate sale, a dormant boundary dispute, an unapproved additional floor. They are priced and monitored, not disqualifying.

The two seeded demonstrations

Lagos — Ibeju-Lekki Free Trade Zone Adjacent (₦85.0M · Tier B · score 54)

Fatal: Contested Certificate of Occupancy — possible double allocation. The corridor's market growth is real (Market Growth 90), which is exactly what makes the trap attractive — and the score drags to 54 on Title Integrity 35 / Regulatory 30. LandSnap fails it on both Title search (C of O authenticity) and e-GIS cross-check.

Enugu — Nsukka Road Development Land (₦8.5M · Tier B · score 61)

Fatal: Omo Onile customary claim unregistered — family land sold without full consent. The cheapest entry in the portfolio, with no registered survey (deed of assignment only). LandSnap fails it on the Omo Onile / customary claim check.

Where flags surface in the UI

• The parcel report lists every flag as a chip — ember for fatal, with fatal flags pinned first and a note that escrow release is blocked.
• A FLAGGED LandSnap verdict names the failed checklist items as the fatal findings.
• A flagged deal in the Deal Room freezes its pipeline and displays the fatal flag text as the reason.
• Portfolio cards carry a ⚑ FLAGGED pill once a parcel has failed verification.

Notes

• Parcels you add yourself via Desk Analysis never receive fatal flags — the generator only draws from the warn pool plus an info note that field verification is pending. Fatal flags are seeded deliberately so the disqualifier workflow can be demonstrated.
• Severity keywords are interpreted generously by the UI (fatal/critical/high render as fatal; warn/warning/medium as warn), but the API only ever emits fatal, warn and info.