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FHA-Roof Condition when covered with snow?

Discussion in 'Urgent - Help Needed' started by JoeB, Feb 2, 2008.

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  1. JoeB

    JoeB Member

    4
    Jun 1, 2006
    Professional Status:
    Certified Residential Appraiser
    State:
    New York
    FHA 1004_05
    The stip:
    I was asked to document in my report that the property meets HUD minimum property requirements along with address roof condition due to being snow covered .

    What are my options with the roof condition?
    Get a ladder and shovel the snow off the roof?
    Call the homeowner and ask when there last roof was installed?
    A canned comment to satisfy the underwriter? :)
    ?
    Your input is appreciated!! Thanks
     
  2. Richard Carlsen

    Richard Carlsen Elite Member

    0
    Jan 15, 2002
    Professional Status:
    Licensed Appraiser
    State:
    Michigan
    Snow covered roofs are typical for us from November to late March.

    Here's what we do for FHA's (and all others as a matter of fact)

    In the Condition section, I put the following:

    "Roof snow covered at the time of inspection. Unable to view roof surface. No indication on interior inspection of any leaking."

    That's it. That's all you have to do. If you cannot see it, all you have to do is say that you cannot see it. From then on, it becomes the UW's problem.

    We also make a notation that the ground is snow covered just to cover our cute little behinds.

    BTW, it does not hurt to put a close-up photo of the snow covered roof in the report if this is unusual.
     
  3. Mr Rex

    Mr Rex Elite Member

    288
    Jan 12, 2004
    Professional Status:
    Certified Residential Appraiser
    State:
    North Carolina
    · Note any evidence of deterioration of roofing materials (missing tiles, shingles, flashing). Deteriorated roofing materials include those that are worn, cupped, or curled.
    · If the roof is otherwise unobservable, look for telltale signs of roof problems on the interior, such as damage or water stains to the ceiling area of a room or closet.
    The appraiser must note in the appraisal that he/she could not adequately observe the entire roof area (state which area(s) were unobservable). Based on the information reported by the appraiser, the underwriter will determine whether or not a roofing inspection is required.
     
  4. JoeB

    JoeB Member

    4
    Jun 1, 2006
    Professional Status:
    Certified Residential Appraiser
    State:
    New York
    My thoughts exactly. I did not see any interior deterioration. The fascia boards look well maintained. The entire Home was well maintained.

    Thanks for the comments!

    Joe
     
  5. Mr Rex

    Mr Rex Elite Member

    288
    Jan 12, 2004
    Professional Status:
    Certified Residential Appraiser
    State:
    North Carolina
    Not my comments. From the revised Appendix D.:)
     
  6. Jerry Bone Jr

    Jerry Bone Jr Senior Member

    0
    Feb 23, 2004
    Professional Status:
    Licensed Appraiser
    State:
    Oregon
    This is perfect. I would also ask the owner when it was last replaced. Ask the owner if the roofing has any problems. You just might get an answer.
     
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