Fha Attic Insulation Requirements

Ensuring that mixed use properties comply with zoning.

Fha attic insulation requirements. Recommended insulation levels for retrofitting existing wood framed buildings. Existing 3 4 inches of insulation. Inspection the attic must be examined whether access is by pull down stairway or scuttle. 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.

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. 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. 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.

The house must beek building code so this may be where the hang up is. At a minimum the appraiser must enter head and shoulders into the attic. 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.

Federal housing administration fha loans have requirements including minimum property standards which help protect lenders. 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. This page was updated in january 2020 and to include the latest information on fha appraisal guidelines and requirements for 2020. General acceptance criteria property eligibility and non residential use of property.

Fha appraisers are required to observe the attic area. All appropriate approaches must be utilized when applicable. Home was built in 1984 but insulation was updated the roof can obviously be observed from the. Clarifying that fha requires an inspection.

Federal housing administration fha loans must meet safety. Cost and income approach for value. Add insulation to attic. 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.