Attic Inspection For Fha

The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility.

Attic inspection for fha.

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 are required to observe the attic area. However hud fha does not have a real definition of attic in their documentation.

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 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.

Here s what fha has to say. Inspection the attic must be examined whether access is by pull down stairway or scuttle. At a minimum the appraiser must enter head and shoulders into the attic. 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. The appraiser must observe the interiors of all attic spaces. An fha inspection is conducted by a licensed hud approved property appraiser. Is an attic inspection required for fha.