Roof Inspector Requires New Roof Fha

In a 2017 american housing survey the u s.

Roof inspector requires new roof fha.

Putting a roof over your family s head is necessary but it certainly isn t cheap. To be specific the following has been taken from the hud handbook 4000 1 regarding the fha rules for the roof. This of course is a judgment call that the appraiser is required to make. That said it s important to note that fha appraisers are not necessarily trained experts on roofing issues nor is the appraiser required to step onto the roof to inspect it further.

The borrower must take it upon themselves to have a home inspector look over the roof and other critical areas of the property there may be issues not immediately noticeable that an inspection would catch that do not appear on the fha appraisal report. The appraiser must observe the roof to determine whether there are deficiencies that present a health and safety hazard or do not allow for reasonable future utility. The roof cannot have more than three layers of roofing. For a federal housing administration fha loan to be approved the home must pass an fha inspection and appraisal.

The appraiser must inspect the attic for evidence of possible roof problems. An fha appraiser is required to view the roof but does not specifically have to step out onto the surface of it. That means it must be worth the purchase price and have such basics as electricity drinkable water adequate heat a stable roof fire exits and more. But that bill can range from 5 000 to 25 000 depending on where you live what weather hazards are typical in your area and what kind of roof you re buying as well as other factors.

That s one big difference between an appraisal and a home inspection.