Fha Attic Insulation Requirements

Home was built in 1984 but insulation was updated the roof can obviously be observed from the.

Fha attic insulation requirements. Unless the attic is used as a habitable space attic insulation should be installed between the rafters of the attic floor rather than the attic ceiling. 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. Existing 3 4 inches of insulation.

The house must beek building code so this may be where the hang up is. Federal housing administration fha loans must meet safety. 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. Fha appraisers are required to observe the attic area.

At a minimum the appraiser must enter head and shoulders into the attic. Recommended insulation levels for retrofitting existing wood framed buildings. 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. Nrca guidelines regarding attic ventilation nrca recommends designers provide at least 1 square foot of nfva for every 150 square feet of attic space 1 150 ventilation ratio measured at the attic floor level ceiling.

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. Add insulation to attic. Inspection the attic must be examined whether access is by pull down stairway or scuttle. All appropriate approaches must be utilized when applicable.

Recessed lights or fans that protrude into the attic space should not be covered by insulation. This page was updated in january 2020 and to include the latest information on fha appraisal guidelines and requirements for 2020. Ensuring that mixed use properties comply with zoning. Cost and income approach for value.

No flooring just stud trusses. Fha does not have a specific requirement for insulation. Attic and crawl space inspection requirements. 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.