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Question about flat roof

Discussion in 'FHA/VA FAQ's' started by MI BEN, Apr 25, 2011.

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  1. MI BEN

    MI BEN New Member

    0
    Jan 19, 2011
    Professional Status:
    Certified Residential Appraiser
    State:
    Michigan
    I am doing a fha appraisal and the family room has a flat roof. A second story bedroom has a standard size door out to the flat roof. Is this roof/deck required to have safty rails? Thanks for your help.
     
  2. Terrel L. Shields

    Terrel L. Shields Elite Member
    Gold Supporting Member

    133
    May 2, 2002
    Professional Status:
    Certified General Appraiser
    State:
    Arkansas
    call the Direct Endorsement Underwriter and ask them
     
  3. zdfenton

    zdfenton Junior Member

    2
    Nov 13, 2008
    Professional Status:
    Certified General Appraiser
    State:
    Wisconsin
    I'm not aware of a HUD guideline to that effect.

    So you need to decide if you consider it a safety concern and condition the report accordingly.

    I personally would consider that a safety concern and condition for railings or blocking the door
     
  4. stefan olafson

    stefan olafson Senior Member

    0
    Apr 2, 2003
    Professional Status:
    Certified General Appraiser
    State:
    North Dakota
    FHA still goes back to Safe, Sound, and Sanitary. If having rails would be considered a safety issue, then yes. If you don't think so, then no. Call the direct endorsement underwriter if you still have a question.
     
  5. MI BEN

    MI BEN New Member

    0
    Jan 19, 2011
    Professional Status:
    Certified Residential Appraiser
    State:
    Michigan
    Thanks for the responses guys, I appreciate it.
     
  6. AnonApprsr

    AnonApprsr Elite Member

    0
    Jan 21, 2008
    Professional Status:
    Certified Residential Appraiser
    State:
    Massachusetts
    Safe, Sound, and Sanitary? I thought it was Safeness, Soundness, and Saleability? Or was it Safety, Soundness, and Shaolin?
     
  7. james stephens

    james stephens Junior Member

    0
    Dec 9, 2004
    Professional Status:
    Certified Residential Appraiser
    State:
    Georgia
    The reason for some confusion about the three S's is because it 4150.2 the three S's Rule are Saleability, Safety, and Security. Then in Appendix D the three S's Rule appears to have changed to Safety, Security, and Soundness.

    Back to the OP's question. The situation as described sounds like a saftey isssue. Essentially the same as a deck situated well above the ground with no railings.


    EDIT: Another reference to three S's occurs in 4150.2 in the section of "Defective Conditions" where it lists examples of defective conditions and finishes with "other readily observable conditions that impair the safety, sanitation or soundness of the dwelling"
     
    Last edited: Apr 25, 2011
  8. RSW

    RSW Elite Member

    17
    Feb 18, 2002
    Professional Status:
    Certified Residential Appraiser
    State:
    Tennessee
    It is actually: Safety, Secure & Soundness per the 4150.2 handbook.
     
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