Fha Attic Inspection Requirements

This page was updated in january 2020 and to include the latest information on fha appraisal guidelines and requirements for 2020.

Fha attic inspection requirements.

Roofs and attics the roofing must keep moisture out. The appraiser must enter the attic and observe the interior roof structure and attic for evidence of leaks water damage structural problems previous fire damage frt sheathing exposed and frayed wiring deficient materials deficient insulation and adequate ventilation by vent fan or window. Ensuring that mixed use properties comply with zoning. For a federal housing administration fha loan to be approved the home must pass an fha inspection and appraisal.

Inspectors check the plumbing for running hot water any leaks and issues. The appraiser must inspect the attic for evidence of possible roof problems. General acceptance criteria property eligibility and non residential use of property. Clarifying that fha requires an inspection.

Cost and income approach for value. Inspection the attic must be examined whether access is by pull down stairway or scuttle. One frequently asked question about the fha loan process is related to fha appraisals and the minimum requirements for the roof of the home. Attic and crawl space inspection requirements.

All appropriate approaches must be utilized when applicable. Fha appraisers are required to observe the attic area. While functioning air conditioning is not required in fha inspections the heat must turn on and be in working condition. At a minimum the appraiser must enter head and shoulders into the attic.

Because there is no definition of attic assumptions have been made by fha and appraisers that the attic includes any space above the ceiling and below the roof inside dwellings despite that space in modern design homes typically not having any flooring. It s the appraiser s job to look over the home make sure it meets fha standards and assign it a fair market value. Fha appraisers fha has always had a requirement for appraisers to inspect attics. The roof cannot have more than three layers of roofing.

The roofing must be expected to last for at least two more years. If the inspection reveals the need for roof. However hud fha does not have a real definition of attic in their documentation. If you use an fha loan to buy a house the property will have to be appraised and inspected by a hud approved home appraiser.