Is Fha Appraiser Required To Look In The Attic

Inspection the attic must be examined whether access is by pull down stairway or scuttle.

Is fha appraiser required to look in the attic.

The appraiser must observe the interiors of all attic spaces. Fha has always had a requirement for appraisers to inspect attics. The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility. The appraiser must observe the interiors of all attic spaces.

However hud fha does not have a real definition of attic in their documentation. The fha appraiser will look at all of the major components of the home including some appliances such as refrigerators and microwaves the attic the basement and the home s heating and air. Fha appraisers are required to observe the attic area. Department of housing and urban development hud requires this plus an inspection of the home s condition in order to pass inspection the home must meet minimum safety.

At a minimum the appraiser must enter head and shoulders into the attic. This appraisal post is going to address the attic observation and reporting requirements for an fha appraisal. What is an fha inspection and appraisal. 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.

The guidance in this faq is effective for case numbers assigned on or after september 14 2015. Is an attic inspection required for fha. For an fha loan the u s. The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility.