Fha single family housing policy handbook pages 15 16.
Fha roof inspection.
Possible fha concern the brick on the side of this garage has had some serious movement.
If the inspection reveals the need for roof repairs and the roof already has three or more layers of roofing the fha requires a new roof.
Call a professional to evaluate.
The condition of the roof is important as it s a major source of headaches for a home owner if there is a problem down the line.
So what does the fha appraiser look for during this process.
To be specific the following has been taken from the hud handbook 4000 1 regarding the fha rules for the roof.
As with any other type of roof the appraiser is to look for signs that would indicate a possible roof problem.
Department of housing and urban development.
Fha repair and inspection requirements for existing properties and revisions to fha appraisal protocol pages 2 3.
Water heaters the water heater must meet local building.
Their is no repairs that can be done the brick should be removed and replaced.
This of course is a judgment call that the appraiser is required to make.
The primary areas of inspection are the roof the foundation lot grade ventilation mechanical systems heating electricity and crawl spaces when present.
During an fha inspection the property will be checked for issues regarding the foundation walls floors roof paint and drainage.
Fha no longer mandates automatic inspection of flat and or unobservable roofs.
The borrower must take it upon themselves to have a home inspector look over the roof and other critical areas of the property there may be issues not immediately noticeable that an inspection would catch that do not appear on the fha appraisal report.
One of the fha rules for the roof requires the appraiser to report if it has less than 2 years remaining life and require it to be replaced.
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.
Borrowers should remember that the appraisal does not guarantee the roof is free of problems and a home inspection should be carried out to include a closer look at the roof than an fha appraisal will give.
For a federal housing administration fha loan to be approved the home must pass an fha inspection and appraisal.
Serious issue possible fha concern this wood rot found just below the roof is caused from rain water or ice build up in the winter.
The appraiser must note in the appraisal that he she could not adequately observe the entire roof area and state which area s were unobservable.
