Attic Inspection For Fha

Generally speaking the home must reasonably protect the safety and health of its occupants and adequately support the protection of their property.

Attic inspection for fha.

This means that if the appraiser cannot fully enter the attic a simple head shoulders inspection is adequate. Fha appraisers fha has always had a requirement for appraisers to inspect attics. When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report. 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.

Here s what fha has to say. This means that if the appraiser cannot fully enter the attic a simple head shoulders inspection is adequate. An fha inspection is conducted by a licensed hud approved property appraiser. The appraiser must observe the interiors of all attic spaces.

In addition its structural integrity can t be in danger of being compromised. Inspection the attic must be examined whether access is by pull down stairway or scuttle. 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. The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility.

However hud fha does not have a real definition of attic in their documentation. Is an attic inspection required for fha. The guidance in this faq is effective for case numbers assigned on or after september 14 2015. At a minimum the appraiser must enter head and shoulders into the attic.