• Welcome to AppraisersForum.com, the premier online  community for the discussion of real estate appraisal. Register a free account to be able to post and unlock additional forums and features.

FHA/vinyl Skirting

Status
Not open for further replies.

Shaun Murray

Sophomore Member
Joined
Oct 12, 2004
Professional Status
Certified Residential Appraiser
State
Florida
The new handbook for skirting reads "For existing construction, if the perimeter enclosure is a non-load-bearing skirting comprised of lightweight material, the entire surface area of the skirting must be permanently attached to backing made of concrete, masonry, treated wood, or a product with similar strength and durability. This means that if vinyl skirting is used, it must be backed with concrete, masonry, treated wood, etc. Vinyl skirting with no backing is not acceptable. An unenclosed crawl space is likewise not acceptable".

The way it reads appears absolute compared to the previous handbook.

Previous handbook stated that a crawl space enclosure with proper ventilation, exclude entry of vermin and water and resist all forces to which it may be subject requirements that uses vinyl siding as an exterior cover only, is acceptable.

My question is, does the responsibility still fall on the engineer or is appraiser to make report subject to correction?
 
The skirting is a perimeter enclosure, not part of the foundation. An engineer certifies the foundation; it's your responsibility to determine if the perimeter enclosure meets HUD requirements.
 
Yes, very few manufactured homes will meet the HUD standard for backing on the vinyl skirting.
 
The prior guidance allowed vinyl skirting if backed by treated wood and framing and or cement board and framing etc. Vinyl skirting alone has never been acceptable.
 
Will this go FHA? :shrug: (yes, someone lived there - couple with 3 kids)
DSC00435.JPG
 
And to think I wanted to move to Arkansas!
 
Status
Not open for further replies.
Find a Real Estate Appraiser - Enter Zip Code

Copyright © 2000-, AppraisersForum.com, All Rights Reserved
AppraisersForum.com is proudly hosted by the folks at
AppraiserSites.com
Back
Top