Fha Attic Insulation Requirements

Add insulation to attic.

Fha attic insulation requirements.

The house must beek building code so this may be where the hang up is. When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report. Inspection the attic must be examined whether access is by pull down stairway or scuttle. Recommended insulation levels for retrofitting existing wood framed buildings.

Ensuring that mixed use properties comply with zoning. 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. Existing 3 4 inches of insulation. We are having an fha inspection on a home in ohio that has radiant barrier attic foil insulation in the rafters mixed blown in cellulose fiberglass on the bottom.

Fha does not have a specific requirement for insulation. While federal and in some cases state guidelines for insulation levels are merely recommendations the local building code is the true authority over insulation requirements. Clarifying that fha requires an inspection. This page was updated in january 2020 and to include the latest information on fha appraisal guidelines and requirements for 2020.

Federal housing administration fha loans have requirements including minimum property standards which help protect lenders. Fha appraisers are required to observe the attic area. Federal housing administration fha loans must meet safety. All appropriate approaches must be utilized when applicable.

Recessed lights or fans that protrude into the attic space should not be covered by insulation. A vapor barrier must be present on the warm side of insulation to prevent moisture problems. No flooring just stud trusses. The appraiser is required to report what they see and if they reported that the home did not have insulation then the lender probably made this a requirement to get the loan.

At a minimum the appraiser must enter head and shoulders into the attic. General acceptance criteria property eligibility and non residential use of property. Attic and crawl space inspection requirements. Home was built in 1984 but insulation was updated the roof can obviously be observed from the.