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Floor Insulation

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wyecoyote

Senior Member
Joined
Jan 15, 2002
Professional Status
Gvmt Agency, FNMA, HUD, VA etc.
State
Washington
So I haven't come across this before in FHA. Was looking through the 4150.2 and mortge letters couldn't find an answer. Is there a requirement for floor insulation? This is an older home 1970's. Crawlspace no floor insulation. There is the vapor barrier. Most that I have done have floor insulation. Though I can not find a requirement for it. Any thoughts? I have a picture and am noting it in the report. Though not conditioning the report at this time since I can not find a requirement for it.
 

RSW

Elite Member
Joined
Feb 18, 2002
Professional Status
Certified Residential Appraiser
State
Tennessee
Why are you looking in the 4150.2 when you should be looking in the 4000.1? Anyway, there is no requirement for insulation in the crawlspace.
 

glenn walker

Elite Member
Joined
Oct 11, 2006
Professional Status
Certified Residential Appraiser
State
California
Confused ** Contact your HOC and get direction and 4150.00 is long retired it's now the 4000.1 handbook BUT you are not going to find anything about this issue in the handbook. Is this a problem in your market area or a local building code ? In my opinion only appraisers in Washington could address this because it's certainly not an issue in my state.
 
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