What condition rating

[Tom D]

Does the normal civilian look at our appraisal with a glazed over eyes. Probable, just only care about the value. The old index card $ value was just as good as 30 page reports.

Now it's all this minutia info needed for all the 'experts', and our safety.

 

[BRCJR]

If I had a big crack on my window (stupid bird crashed into it), would that be C5?
Good thing appraiser didn't noticed the crack and didn't mentioned it in appraisal report.
The cracked window was like that for many years.
Then when contractor remodeled my kitchen, he was nice to replace the cracked window for free. Thanks.

If you think it was done for free you do live in Fantasy Land, CA. Maybe, not shown on invoice but, you paid for it in mark ups of other components.

 

[alebrewer]

Even loan production folks look at our appraisals with glazed eyes. The most (and often only) important field is at the bottom of P2 (on the 1004 anyways). The appraiser wears the following hats: appraiser, home inspector, municipal planner, zoning SME, surveyor, plumber, electrician, draftsman/draftswoman, economist, statistics pro, writer, planner... I'm sure I left a few out. Point is, I don't think there's another profession where the practitioner is required to have such a broad knowledge base - and be required to apply that broad knowledge base to every single assignment (at least the ones with physical inspection).

 

[DWiley]

Does the normal civilian look at our appraisal with a glazed over eyes. Probable, just only care about the value.

I think for those who stare at appraisal reports every day, it is difficult to fully comprehend how convoluted and unorganized those reports seem to others. The new UAD 3.6 output is much easier to read - for everyone.

 

[Surf Cat]

Even loan production folks look at our appraisals with glazed eyes. The most (and often only) important field is at the bottom of P2 (on the 1004 anyways). The appraiser wears the following hats: appraiser, home inspector, municipal planner, zoning SME, surveyor, plumber, electrician, draftsman/draftswoman, economist, statistics pro, writer, planner... I'm sure I left a few out. Point is, I don't think there's another profession where the practitioner is required to have such a broad knowledge base - and be required to apply that broad knowledge base to every single assignment (at least the ones with physical inspection).

All for a whopping $250 with a 49.00 "technology" fee.....

 

[BRCJR]

A renovated dwelling and everything/overall/holistic indicates C3, with one exception.
Supply chain issues delay roofing materials. There are many shingles missing. I installed very large open sided tent to temporarily cover the roofline.
I consider the roof to be at the end of its economic life (C6).

Based upon previous posts the entire house is a C6?

Now moving to AI

I asked:

A renovated dwelling and everything/overall/holistic indicates C3, with one exception.
Supply chain issues delay roofing materials. There are many shingles missing. I installed very large open sided tent to temporarily cover the roofline.
I consider the roof to be at the end of its economic life (C6).
Based upon previous posts the entire house is a C6?

No — based on your description, the entire house does not necessarily drop to C6 just because of the roof.


Let’s break it down using appraisal condition ratings (like those used in UAD, or Uniform Appraisal Dataset standards):

​

The interior and most of the home are renovated → C3
Roof has many shingles missing due to supply chain delays
You installed a temporary large tent to protect it
You say the roof is at end of economic life → C6

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What Condition Rating Should the Home Be?​

The UAD guidance defines:

• C3: The improvements are well maintained and feature limited physical depreciation due to normal wear and tear. The dwelling has been recently renovated or updated.
• C6: Substantial damage or deferred maintenance. Major components need repair or replacement.

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So, What's the Verdict?​

If only the roof is deficient and the rest of the dwelling is solidly C3, then you can report:

• Overall condition: C3
• But with a notable deferred maintenance item (roof)

You must clearly note this in the appraisal report (typically in the "Condition of Improvements" comment section). You should state:

"The dwelling has been recently renovated and overall conforms to a C3 condition rating. However, the roof is at the end of its economic life, with multiple shingles missing. Temporary covering has been installed pending material delivery due to supply chain delays."

If the roof’s condition compromises habitability, or water intrusion is ongoing, then a lower rating like C4 or even C5 may be more appropriate — but not C6, unless multiple systems (roof, HVAC, foundation, plumbing, etc.) are failing or missing.

---

Summary:​

• The house is not C6 overall based solely on the roof.
• You can rate it C3, if the roof is the only issue and it's being addressed, but you must disclose the deficiency clearly.
• If roof condition has severely compromised function/livability, you may need to downgrade to C4.

Let me know if you're filling out a 1004 form or another specific appraisal form — I can tailor the comment for you.

 

[alebrewer]

All for a whopping $250 with a 49.00 "technology" fee.....

exactly. We've allowed the users of our services to scope creep to the point that there is just no correlation between the amount of work required to produce a credible report and the time allotment provided to produce said report. Appraisers poo-poo the 'click a button and get the results' mentality, but that's reality now. If an AVM can spit out a value in a matter of moments, why can't an appraiser? Problem is that (at least at this point) the AVM's aren't doing a LOT of what appraisers are required to do WRT property inspection, zoning analysis, highest and best use analysis, etc. The AVM is ONLY spitting out a value and (sometimes) confidence measures. Not so with an appraisal.

 

[chad hampton]

I haven’t gotten into it too much, but I did see a sample report of the new UAD. Looked like they took two pages and turned it into about 25 pages. If anybody thinks a reader is going to appreciate having to scroll to page 17 for something that they used to be able to find on one or two pages, I’m not sure what to tell you

But it looks like something id expect a massive bureaucracy would’ve come up with.

 

[NC Appraising]

A renovated dwelling and everything/overall/holistic indicates C3, with one exception.
Supply chain issues delay roofing materials. There are many shingles missing. I installed very large open sided tent to temporarily cover the roofline.
I consider the roof to be at the end of its economic life (C6).

Based upon previous posts the entire house is a c6

DW can correct me if I'm wrong.

If the report is going to the GESs, the report can never be C6?

It will have to be subject to, to bring the home to atleast C5.

Home built in 2023, c2 condition home. Tree fell on roof. If going to the GSE's you will not rate the home a c6. It will be subject to. The roof will be repaired and will be a c2 home.

So what I posted from freddie doesn't make any sense. Maybe I'm missing something.

 

[Tom D]

I'm sure I left a few out. Point is, I don't think there's another profession where the practitioner is required to have such a broad knowledge base - and be required to apply that broad knowledge base to every single assignment (at least the ones with physical inspection).

At a below cost gross price verses each one done separate. That's the secrete rip appraiser off.

I think for those who stare at appraisal reports every day, it is difficult to fully comprehend how convoluted and unorganized those reports seem to others. The new UAD 3.6 output is much easier to read - for everyone.

I gave up on some reviews trying to find anything in their unorganized mess. That's why everyone uses the pdf word search to find something. I only learned about that recently, it's been around a while. The appraisal, even the new uad3 is gonna be like reading a full major hospital bill after surgery. 20 pages of gobbly gook, as they say. But very impressive looking.

If an AVM can spit out a value in a matter of moments,

The avm is actually spitting on the appraiser. We don't need no stinking appraiser, AI told me so.