Attic Inspection For Fha

In cases where access through a scuttle is limited and the appraiser cannot fully enter the attic the insertion of at least the head and shoulders of the appraiser will suffice.

Attic inspection for fha.

At a minimum the appraiser must enter head and shoulders into the attic. In cases where access through a scuttle is limited and the appraiser cannot fully enter the attic the insertion of at least the head and shoulders of the appraiser will suffice. Fha appraisers are required to observe the attic area. Inspection the attic must be examined whether access is by pull down stairway or scuttle.

Here s what fha has to say. 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. In addition its structural integrity can t be in danger of being compromised. The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility.

An fha inspection is conducted by a licensed hud approved property appraiser. This means that if the appraiser cannot fully enter the attic a simple head shoulders inspection is adequate. The guidance in this faq is effective for case numbers assigned on or after september 14 2015. Fha appraisers fha has always had a requirement for appraisers to inspect attics.

Generally speaking the home must reasonably protect the safety and health of its occupants and adequately support the protection of their property. The appraiser must observe the interiors of all attic spaces. Is an attic inspection required for fha. When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report.