Answer:
As you observed, states have different requirements. Check your state to see what applies and if any court cases bear out the recommended frequency.
You may well find that if done properly and at least at a recommended frequency, you may not be liable for something which just occurred. Say you had a site examined 6 months ago. If you have no reason and no complaints indicating it is different now, the law may not hold you liable. If you allowed complaints to go unanswered, you may have complete liability, however.
First published on BankersOnline.com 10/20/03