Fha Attic Inspection Requirements

Clarifying that fha requires an inspection.

Fha attic inspection requirements.

Attic and crawl space inspection requirements. When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report. One frequently asked question about the fha loan process is related to fha appraisals and the minimum requirements for the roof of the home. Roofs and attics the roofing must keep moisture out.

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

If the inspection reveals the need for roof. At a minimum the appraiser must enter head and shoulders into the attic. The appraiser must inspect the attic for evidence of possible roof problems. However hud fha does not have a real definition of attic in their documentation.

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. 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. Ensuring that mixed use properties comply with zoning. 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.

Fha appraisers are required to observe the attic area. Inspectors check the plumbing for running hot water any leaks and issues. A property s consideration for an fha loan guarantee requires a property inspection that rates the home s livability livability is defined as meeting minimum standards for the health and safety. 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.

Cost and income approach for value. General acceptance criteria property eligibility and non residential use of property. The roofing must be expected to last for at least two more years. Inspection the attic must be examined whether access is by pull down stairway or scuttle.