Fha Snow Covered Roof

Among the most frequently asked questions that figure on most people s minds when it comes to borrowing an fha loan pertain to fha appraisals and the minimum qualifying criteria for the roof of the borrower s home.

Fha snow covered roof.

Federal housing administration fha loans must meet safety security and soundness standards which includes areas like roofs electrical water heaters and property access among others. When roof coverings are buried in snow they can t be inspected. If the roof has less than two years remaining life then the appraiser must call for re roofing or repair. To be specific the following has been taken from the hud handbook 4000 1 regarding the fha rules for the roof.

Appraisal requirements for fha mortgage loans are found in hud 40001 and include guidelines for electrical systems plumbing paint and also requirements for the roof. This of course is a judgment call that the appraiser is required to make. 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. It s a lot more work for us to inspect houses when there s a lot of snow on the ground but it s ok.

Fha underwriting guidelines table of contents 02 24 2020 2. For this purpose the appraiser is assigned with the responsibility of evaluating the home to ensure that it meets the standards as laid down by the fha and assigns it with the. Excessive snow is present on the roof and snow from roof is causing damage provide bid via hometracker to remove. Clearing of the snow cannot be completed due to extreme situations document the situation and complete snow removal as soon as possible.

The condition of the roof is important as it s a major source of headaches for a home owner if there is a problem down the line. We don t charge any more for the inspection when we have to trudge through the snow. Excessive snow clearing or the plowing of a private road is necessary. The appraiser must clearly state whether the subject is to be repaired or re roofed.

How much of a discount do you offer when things are snow covered. But that s not all the fha also requires a minimum amount of durability.