Missing flooring in bedroom

[Dan/Fla]

If missing floor covering it becomes a health & safety, (which is a FHA requirement for repair) if wood not due to splinters, though that is bad. But due to the health hazard due to not being able to properly clean bare wood which is very porous. Bare concrete would be for the same reason unless sealed. OK at least here in this county I had a question on this few years back and called the local health department very situation, and was told that it is a valuation, in residential properties to have a bare floor. Anywhere in the living area. Though this may or may not be the law and rules everywhere.

 

[Wayne Tomlinson]

Missing floor covering may be a local health department issue but it is not in and of itself an FHA issue, just as insulation in the attic is not.

It can be a value issue depending on where you are located.\

I have seen painted wood floors, I have also seen hardwood floors. IF it is actually a health and safety issue, then it is a problem, if it just that you don't like the idea, that does not make it something that the appraiser should make a "requirement" to cure.

Some years ago FHA had an appraiser training session in Chicago. I asked the question covered here. The answer was what I posted above.

Wayne Tomlinson

 

[Dan/Fla]

Painted and finished hardwood floors are not bare.

 

[Couch Potato]

It's easy to add non MPR items because if you miss a repair considered an MPR you can be in trouble.The problem is that FHA completely changed the rules and went from nit picking to that's cosmetic . Although the House you are inspecting has a Harley Davidson repair shop in the living room not to worry , it's cosmetic. Two feet of peeling paint in the Kitchen (pre 1979) that's MPR. Now we must play the game of What's MPR??Quite a bit of responsibility for the appriaser...

Yes, it is a lot of responsibility. It may be easy for everyone to get approved, but not everyone should. With good description and good pictures one can leave many questionable decision to the underwriter's discretion. The fundamental change is FHA has gone from considering a false negative as a greater ill to considering a false positive as a greater ill when calling for inspections.