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.

This is to make sure the home is worth the selling price. This appraisal post is going to address the attic observation and reporting requirements for an fha appraisal. The guidance in this faq is effective for case numbers assigned on or after september 14 2015. However hud fha does not have a real definition of attic in their documentation.

The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility. Is an attic inspection required for fha. 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.

Fha appraisers are required to observe the attic area. 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. What is an fha inspection and appraisal.

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. Typically a mortgage lender requires an appraisal of the true value of the home to be purchased.