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If your site was inspected recently, you may have lost points for a condition that violates HUD inspection standards, but that a local law permits or even requires. For example, you may have lost points for having window guards on your site’s windows, even though your local law requires window guards. Fortunately, HUD gives you a way to challenge a Real Estate Assessment Center (REAC) inspection score that was lowered because of circumstances that are out of the ordinary, reflect an inconsistency with ownership, or are allowed by local codes.