Fha Attic Inspection Requirements

Attic and crawl space inspection requirements.

Fha attic inspection requirements. When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report. Cost and income approach for value. Fha appraisers fha has always had a requirement for appraisers to inspect attics. Roofs and attics the roofing must keep moisture out.

One frequently asked question about the fha loan process is related to fha appraisals and the minimum requirements for the roof of the home. While functioning air conditioning is not required in fha inspections the heat must turn on and be in working condition. 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.

If the inspection reveals the need for roof. Clarifying that fha requires an inspection. Fha appraisers are required to observe the attic area. At a minimum the appraiser must enter head and shoulders into the attic.

This page was updated in january 2020 and to include the latest information on fha appraisal guidelines and requirements for 2020. Inspection the attic must be examined whether access is by pull down stairway or scuttle. Inspectors check the plumbing for running hot water any leaks and issues. All appropriate approaches must be utilized when applicable.

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. It s the appraiser s job to look over the home make sure it meets fha standards and assign it a fair market value. For a federal housing administration fha loan to be approved the home must pass an fha inspection and appraisal. However hud fha does not have a real definition of attic in their documentation.

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. 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. 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. The roofing must be expected to last for at least two more years.