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Is a non-closed permit an issue on buying a home?

I have a closing on Wednesday, I am not asking for legal advice but I am trying to figure out what to ask and look out for when speaking with various parties.

I am buying a home next week in FL. During the title search the title company found out that there was a water softener that wasn't paid off and had an official lien and then a roof installed last year that did not have a lien, but was currently having payments made on it. The roofing company that did the work was paid, but I guess a loan was taken out to pay roofing company. The water softener and roof were going to be taken out of the sellers total amount and paid off completely.

While doing the walk through with the owners, they casually mentioned how they had worked out an agreement with the title company where the roof was not going to be paid off at closing. I wasn't initially alarmed. But then I thought, well what happens if they stop making payments on the roof? I know I am not legally liable for the loan amount, but can the loan company put a lien on the home if its not paid. Doesn't the Title Insurance policy I buy from the title company typically cover that?

On top of that, despite the roofing work being completed, the permit was never closed. I have the permit for commencement, and I have a inspection report showing it was done, but to my knowledge it hasn't been closed out on the books.

Is the open permit an issue? Can I still close on the house, call the city and request someone come by to confirm its been completed. What liability or inconveniences can occur if I buy a home that has not had its permit closed? What types of questions do I want to ask the title company?

I know I need to protect myself but I'm afraid if I get the city involved now, it would severely delay our closing date, especially with Covid-19 and such. If I close next week, how badly could the open permit hurt me, if at all?

submitted by /u/LoveHerMore
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source https://www.reddit.com/r/RealEstate/comments/fqvckq/is_a_nonclosed_permit_an_issue_on_buying_a_home/
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