HUD HOC Reference Guide
Roofs & AtticsChapter 1
Appraisal & Property Requirements
1: Roofs: The covering must prevent moisture from entering and provide reasonable future utility, durability and economy of maintenance. The appraiser must visually examine the roof to determine whether deficiencies present a health and safety hazard or do not allow for reasonable future utility. (4905.1 REV-1, 2-12.)
Life Expectancy: The appraiser must exercise sound judgment when evaluating roof condition. The roof should have a remaining physical life of at least two years. If the roof has less than two years remaining life, then the appraiser must report this condition in the appraisal report.
Snow Covered Roofs:
A. In areas where the snow is likely to lay for more than a few days:
C. Re-Roofing: FHA will accept a maximum of 3 layers of existing roofing. If more than 2 layers exist and repair is necessary, then all old roofing must be removed as part of the re-roofing. (4905.1 REV-1, 2-12)
D. Inspections: A person determined to be qualified by the lender should make a certification as to the condition of the roof and the completion of work requirements.
E. Flat Roof: FHA no longer mandates automatic inspection of flat and/or unobservable roofs. The appraiser must note in the appraisal that he/she could not adequately observe the entire roof area and state which area(s) were unobservable. As with any other type of roof the appraiser is to look for signs that would indicate a possible roof problem. Based on the information reported, either the appraiser or underwriter may call for a roofing inspection.
A. It is the homeowner/seller's responsibility to provide clear access to these areas. FHA appraisers are required to observe the attic area.
B. 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.
C. When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report.
|Content Archived: November 2, 2012|