Attic Inspection For Fha

This means that if the appraiser cannot fully enter the attic a simple head shoulders inspection is adequate.

Attic inspection for fha.

Fha appraisers fha has always had a requirement for appraisers to inspect attics. 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. 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.

Generally speaking the home must reasonably protect the safety and health of its occupants and adequately support the protection of their property. The guidance in this faq is effective for case numbers assigned on or after september 14 2015. In addition its structural integrity can t be in danger of being compromised. This means that if the appraiser cannot fully enter the attic a simple head shoulders inspection is adequate.

Is an attic inspection required for fha. 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. Here s what fha has to say. Here s what fha has to say.

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. The appraiser must observe the interiors of all attic spaces. Inspection the attic must be examined whether access is by pull down stairway or scuttle.