Fha Attic Inspection Requirements

Inspectors check the plumbing for running hot water any leaks and issues.

Fha attic inspection requirements.

If the inspection reveals the need for roof. Roofs and attics the roofing must keep moisture out. The appraiser must inspect the attic for evidence of possible roof problems. This page was updated in january 2020 and to include the latest information on fha appraisal guidelines and requirements for 2020.

For a federal housing administration fha loan to be approved the home must pass an fha inspection and appraisal. While functioning air conditioning is not required in fha inspections the heat must turn on and be in working condition. 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. The roof cannot have more than three layers of roofing.

Fha appraisers fha has always had a requirement for appraisers to inspect attics. Cost and income approach for value. Ensuring that mixed use properties comply with zoning. General acceptance criteria property eligibility and non residential use of property.

When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report. Clarifying that fha requires an inspection. At a minimum the appraiser must enter head and shoulders into the attic. Fha appraisers are required to observe the attic area.

One frequently asked question about the fha loan process is related to fha appraisals and the minimum requirements for the roof of the home. The roofing must be expected to last for at least two more years. 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. That means it must be worth the purchase price and have such basics as electricity drinkable water adequate heat a stable roof fire exits and more.

Attic and crawl space inspection requirements. All appropriate approaches must be utilized when applicable. It s the appraiser s job to look over the home make sure it meets fha standards and assign it a fair market value. 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.