Deck Railing

[Carnivore]

What is the conflicting information? I have never seen specifics concerning this issue in the handbook. It appears to be a judgement call as to whether the railing is at adequate height for the particular deck.

I am not saying its not there. When ever its not in the Handbook it's because FHA defers to local Code.

For example. California Lenders who have been making loans in NC always stip for hotwater heater Straps and others want to to see Smoke Detectors etc

Hint: It is not in the hand book. Again, They HUD defer to local Code.

In my area Piedmont Region we do not require HW straps because we are not in an identified Seismic Zone. Now we do require Smoke/carbon monoxide Detectors IF and its a IF

So this is in all my FHA Reports:

Section 314 of the 2012 NC Residential Building Code reflects new requirements for smoke detectors and which will potentially affect portions of the existing house whenever additions, alterations or repairs to a single family house or duplex take place.

CARBON MONOXIDE ALARMS:Section 315.2 reflects requirements in existing dwellings where interior alterations or repairs to a single family or duplex take place. where interior alterations, repairs, fuel-fired appliance replacements, or additions requiring a permit occur, or where one or more sleeping rooms are added or created, carbon monoxide alarms shall be provided in accordance with section 315.1

The Subject was built in XXXX and has not had any additions/major alterations since year built. Thus the requirement for Smoke Detector Alarms and Carbon Monoxide Detector Alarms are not required by the State of North Carolina.


Hot Water Tank: Heater temperature and pressure-relief valve and piping to safely divert escaping steam or hot water are installed. Double strapping is not necessary or required by state/local code because the Subject is not geographically located in a North Carolina Designated seismic area.

NC Code Hot Water Heater/Tanks:The Subject is in compliance with the North Carolina Code for Water Heater/Tank Installation as of the Effective Date of the Water Heater installation date: XXXX https://up.codes/viewer/north_carolina/irc-2015/chapter/28/water-heaters#28

 

[Fernando]

When ever its not in the Handbook it's because FHA defers to local Code.

For example. California Lenders who have been making loans in NC always stip for hotwater heater Straps and others want to to see Smoke Detectors etc

Hint: It is not in the hand book. Again, They HUD defer to local Code.

In my area Piedmont Region we do not require HW straps because we are not in an identified Seismic Zone. Now we do require Smoke/carbon monoxide Detectors IF and its a IF

So this is in all my FHA Reports:

Section 314 of the 2012 NC Residential Building Code reflects new requirements for smoke detectors and which will potentially affect portions of the existing house whenever additions, alterations or repairs to a single family house or duplex take place.

CARBON MONOXIDE ALARMS:Section 315.2 reflects requirements in existing dwellings where interior alterations or repairs to a single family or duplex take place. where interior alterations, repairs, fuel-fired appliance replacements, or additions requiring a permit occur, or where one or more sleeping rooms are added or created, carbon monoxide alarms shall be provided in accordance with section 315.1

The Subject was built in XXXX and has not had any additions/major alterations since year built. Thus the requirement for Smoke Detector Alarms and Carbon Monoxide Detector Alarms are not required by the State of North Carolina.


Hot Water Tank: Heater temperature and pressure-relief valve and piping to safely divert escaping steam or hot water are installed. Double strapping is not necessary or required by state/local code because the Subject is not geographically located in a North Carolina Designated seismic area.

NC Code Hot Water Heater/Tanks:The Subject is in compliance with the North Carolina Code for Water Heater/Tank Installation as of the Effective Date of the Water Heater installation date: XXXX https://up.codes/viewer/north_carolina/irc-2015/chapter/28/water-heaters#28

"The Subject was built in XXXX and has not had any additions/major alterations since year built. Thus the requirement for Smoke Detector Alarms and Carbon Monoxide Detector Alarms are not required by the State of North Carolina."

That's a strange exception since poisonous gas doesn't care what year house is built.

 

[Carnivore]

"The Subject was built in XXXX and has not had any additions/major alterations since year built. Thus the requirement for Smoke Detector Alarms and Carbon Monoxide Detector Alarms are not required by the State of North Carolina."

That's a strange exception since poisonous gas doesn't care what year house is built.

There is more to it when you get into the codes. The year is 1978 and before as a I recall is not required.

Nando Here is the Logic - t You cant enforce Code Changes on Existing houses where the year built is before the Codes.

 

[pjkeys]

View attachment 66760

So, this is not the appraiser's handbook, which appraisers rely upon for FHA guidelines.

 

[Carnivore]

Default servicing is for lenders not appraisers.

III. SERVICING AND LOSS MITIGATION
A. Title II Insured Housing Programs Forward Mortgages
2. Default Servicing - Conveyance of Acquired Properties
(vi)Floors and Walkways
The Mortgagee must ensure that interior walking surfaces are safe or
otherwise patched, replaced, or repaired to be free of hazards as follows:
• any floor finishes, including carpeting, sheet vinyl, wood,
laminate, ceramic or vinyl tiles, and all tack strips and fittings that
are damaged, loose, or otherwise hazardous, must be removed. The
Mortgagee is not required to replace these finishes once removed;
and
• holes or openings in interior walking surfaces must be patched,
replaced, or repaired. Weak or spongy flooring must be inspected
and, if needed, repaired to address hazardous conditions with an
approved over-allowance.
The Mortgagee must repair damaged or missing handrails or stair treads
on elevated exterior porches, patios, decks, and balconies where the
distance from the finished floor to the ground surface is greater than 18
inches. If repair is not feasible, the Mortgagee must provide temporary
rails, fencing, or other means to prevent or mitigate falls.

Thank You! I caught that above also... Someone referenced Page 1085 in the 4000.1 That is for default Servicing.


BUT having said that Guess what. They will be coming out with a New 4000.1 pretty soon in PDF. https://www.HUD.gov/program_offices/administration/hudclips/handbooks/hsgh

 

[Carnivore]

So, this is not the appraiser's handbook, which appraisers rely upon for FHA guidelines.

Your kind of pulling a fast one. Appraisers over at Facebook Appraiser Forum do it all the time

What I am reading I thinkk that you may be looking at is HUD Owned Properties i,e HUD owned Apartment Buildings where the rent to certain income levels.

Give us the Date of the 4001.1 and the page number

Like I said above they are getting ready to release another one Soon in PDF Most of it won't apply to us but it will change the page numbering.

 

[andrew81]

So, this is not the appraiser's handbook, which appraisers rely upon for FHA guidelines.

What are you talking about?

That is 4000.1 with effective date of September 26, 2022.

You can do an online search or download it from HUD.gov

https://www.HUD.gov/program_offices/administration/hudclips/handbooks/hsgh

What supposed "appraiser's handbook" are you reading?

 

[pjkeys]

What are you talking about?

That is 4000.1 with effective date of September 26, 2022.

You can do an online search or download it from HUD.gov

https://www.HUD.gov/program_offices/administration/hudclips/handbooks/hsgh

What supposed "appraiser's handbook" are you reading?

I'm talking about that what you are referring to is the 1490 pg document that lenders and other mortagees rely on for guidance titled the 'FHA Single Family Housing Policy Handbook', not the 175 pg document titled 'FHA SFR Appraising- Handbook 4000.1', which appraisers rely on for guidance. That's what I'm talking about. There is a HUGE difference.

 

[andrew81]

The official handbook is '4000.1 FHA Single Family Housing Policy Handbook'

Any other handbooks, even with similar or same information, are not official FHA Handbooks.

 

[Carnivore]

I'm talking about that what you are referring to is the 1490 pg document that lenders and other mortagees rely on for guidance titled the 'FHA Single Family Housing Policy Handbook', not the 175 pg document titled 'FHA SFR Appraising- Handbook 4000.1', which appraisers rely on for guidance. That's what I'm talking about. There is a HUGE difference.

Post a Link for the above BOLD There is a section that has to do with Consultants inspecting stuff but it doesn't have anything to do with us Appraisers

Here is what I just found https://www.HUD.gov/sites/dfiles/OCHCO/documents/4000.1hsgh-062022.pdf 6/29/2022 Although some/parts of it is Dated 9/26/2022 If your not using this then you stand a chance of doing or reporting something wrong.

Appraisers most common portion starts on Page 590 and ends on Page 1092. Condo's then SFR Follows that. Eventually it gets into Loss Mitigation