Attic Inspection For Fha

Is an attic inspection required for fha.

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. The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility. 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. Fha appraisers fha has always had a requirement for appraisers to inspect attics.

However hud fha does not have a real definition of attic in their documentation. Here s what fha has to say. When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report. Here s what fha has to say.

In addition its structural integrity can t be in danger of being compromised. An fha inspection is conducted by a licensed hud approved property appraiser. 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.

This means that if the appraiser cannot fully enter the attic a simple head shoulders inspection is adequate. The appraiser must observe the interiors of all attic spaces. This means that if the appraiser cannot fully enter the attic a simple head shoulders inspection is adequate. Inspection the attic must be examined whether access is by pull down stairway or scuttle.