Fha Appraisal Attic Inspection

At a minimum the appraiser must enter head and shoulders into the attic.

Fha appraisal attic inspection. In order to pass inspection the home must meet minimum safety security and soundness standards. Fha is black and white on many issues but other times appraisers simply need to use good judgment. Fha appraisers are required to observe the attic area. The roof cannot have more than three layers of roofing.

The appraiser must inspect the attic for evidence of possible roof problems. It s what makes the fha appraisal process unique. An fha inspection is conducted by a licensed hud approved property appraiser. So the primary difference between fha and regular appraisals is the level of inspection that is required by hud.

There are things any appraiser will call out in an fha appraisal but there are times when appraisers have to consider how the spirit of fha might apply in a situation. Fha appraisers fha has always had a requirement for appraisers to inspect attics. However hud fha does not have a real definition of attic in their documentation. Department of housing and urban development hud requires this plus an inspection of the home s condition.

If the hud approved appraiser flags certain issues such as peeling paint loose handrails or other safety issues those issues must be corrected before the loan will be funded.