FHA permanent heat source question

[Mark K]

The units can be unbolted and unpluged from the outlets and removed, I am leaning towards this not being a permanent source. Thoughts would be appreciated.

Virtually anything can be unbolted and removed. Using that as a threshold, nothing is permanent.

Not familiar with the local climate of your subject but from my trips to TX, what you describe should be adequate.

 

[Zoe]

Virtually anything can be unbolted and removed. Using that as a threshold, nothing is permanent.

Not familiar with the local climate of your subject but from my trips to TX, what you describe should be adequate.

I catch you. Texas is not like Chicago. They can't even build foundations with same code as Chicago. The freeze line on public water system is way deeper in Chicago vs Texas. It gets so cold up North that a gas line could probably freeze.

The deeper you bury the supply lines, the earth keeps them insulated.

 

[Zoe]

I would shift liability on possible freeze and temp and any other thing related to things I am not qualified to inspect. I would do "subject to inspection by qualified professional". I write that item off my assignment. And "subject to inspection by the appraiser".. those are considered conditions of original appraisal.

I am sure many would not do it the way I would. I set SOW. My signature and my license is on the line for public trust.

 

[Zoe]

I would shift that liability to licensed professional whether sale or refinance. It would make no difference whether sale or refinance on condition of the assignment.

Many people would call me a hard azz.

If client could not fulfill the request? They can find a new appraiser and I will invoice the client.

If assignment is completed subject to on original appraisal, it prevents many potential problems to me as licensed professional. I could touch health and safety or other things like freezing pipes where I have no license or insurance to cover as being qualified professional.

 

[George Nervik]

I agree with Zoe above, to which I would add the following;

I don't believe that plug-in heaters are permanent heat sources. Further, since there is no heat in the Kitchen and Bath that is a huge problem. I would consult with a couple HVAC Contractors and get a fee quote for them to inspect the property and to run a heat-loss calculation and then to make their suggestions for the least expensive cure to the problem (probably Mini-Splits). As for the existing situation, imagine this, the owner leaves during the coldest part of the year to visit a relative for the holidays. Will the existing plug-in space heaters heat the entire residence to a point that there is no possibility of frozen pipes? Quite possibly not, hence the reason for the HVAC Contractor and the heat loss calcs, etc. Good luck.

 

[NC Appraising]

Sweet.

Im going to include all tvs that are screwed to the wall mounted TV brackets to the wall.

And all stoves that have those anti tip devices... heck, if it has a stove just leave the door open to heat the house...most stoves are thermostat controlled.

 

[Airstream]

This is not a permanent or adequate heat source. If it was hardwired I would say yes to permanent. Plug-in, NO. For one thing any heat source would require more than a plug-in amperage. If this was Hawaii or the Caribbean, different story. But it can get cold in Texas. Then there is the question as to adequacy since not every room has a heat source. I would flag it. They can add baseboard electric heat. It’s not that expensive to do.

 

[Trihard]

I wonder if waivers check for permanent heat sources?

 

[glenn walker]

Never seen anyone freeze to death in a kitchen or bathroom maybe in Siberia....lmao )

 

[Airstream]

Never seen anyone freeze to death in a kitchen or bathroom maybe in Siberia....lmao )

It’s not about freezing to death. It’s about being adequate. It’s not. Would you sign that report and tell FHA it is adequate and have your license on the line?