Roof Inspector Requires New Roof Fha

An fha appraiser is required to view the roof but does not specifically have to step out onto the surface of it.

Roof inspector requires new roof fha.

To be specific the following has been taken from the hud handbook 4000 1 regarding the fha rules for the roof. That s one big difference between an appraisal and a home inspection. For a federal housing administration fha loan to be approved the home must pass an fha inspection and appraisal. 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.

This of course is a judgment call that the appraiser is required to make. Census bureau found that the cost to get your roof replaced was about 6 800. In a 2017 american housing survey the u s. 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.

Putting a roof over your family s head is necessary but it certainly isn t cheap. The roof cannot have more than three layers of roofing. One of the fha rules for the roof requires the appraiser to report if it has less than 2 years remaining life and require it to be replaced. 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 inspect the attic for evidence of possible roof problems.