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Roof Certification!

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Midwest Guy

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Senior Member
Joined
Dec 12, 2006
Professional Status
Certified Residential Appraiser
State
Missouri
I appraised a home about 1 1/2 months ago.

I conditioned report on a certification of roof.

They got a new roof. I have a certificaiton now.

How do I remedy the report for FHA? 1004D? Letter?

MB is asking for something from me.
 

CANative

Elite Member
Joined
Jun 18, 2003
Professional Status
Retired Appraiser
State
California
CIR... Compliance Inspection Report
 

TJSum

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Nov 12, 2007
Professional Status
Certified Residential Appraiser
State
Maryland
That is for the UW to sign off on, not the appraiser, you called for a roof cert, not a new roof.
 

stefan olafson

Senior Member
Joined
Apr 2, 2003
Professional Status
Certified General Appraiser
State
North Dakota
They should have the paperwork from the roofer, your job is complete. I've had lenders in the past through FHA ask for a final inspection to take photos and make sure, for them, that the roof was actually shingled.

Another assignment, another fee!
 

Marcia Langley

Senior Member
Joined
Aug 26, 2005
Professional Status
Certified Residential Appraiser
State
Missouri
Jim,

If you did not use an HC (check box 3) but rather an EA (check box 4) then there is nothing the MB needs from you. They are confused.

The UW can clear the EA with the documents from the roofing inspector which they already have.

The 1004d (bottom half) is for reporting the completion of HC items only.

Clients sometimes get confused on this issue when the EA results in an actual repair.
 

CANative

Elite Member
Joined
Jun 18, 2003
Professional Status
Retired Appraiser
State
California
The 1004D is not for FHA deals.
 

Marcia Langley

Senior Member
Joined
Aug 26, 2005
Professional Status
Certified Residential Appraiser
State
Missouri
Sorry. Of course Greg is right about the form used:flowers: .
 

Don Clark

Elite Member
Joined
Jan 17, 2002
Professional Status
Certified Residential Appraiser
State
Virginia
See Attached

Form is in all or most software.
 

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  • FHA Compliance.pdf
    73.6 KB · Views: 35

William K

Senior Member
Joined
Sep 21, 2007
Professional Status
Certified Residential Appraiser
State
Illinois
It is an UNDERWITER condition to clear. Appraisers make a recommendation for roof certification due to ........ Underwiter then can either call for roof cert. or waive the recommendation ( not very likely).

You have met your obligation by recommending roof cert. in the FHA's eyes.
Don't go accepting a roof cert! It is not for us to do as appraisers and have seen an appraiser accept one and state they have received a "qualified roof certification which indicates the roof has been repaired and is good for 5 yrs". Roof was bad, roofer went bye bye, Appraiser said
" QUALIFIED ROOF CERT", E & O company paid for new roof!
( IF WE DON'T KNOW IF THE ROOF IS BAD HOW DO WE KNOW THE CERT IS RIGHT!)
 

TJSum

Elite Member
Joined
Nov 12, 2007
Professional Status
Certified Residential Appraiser
State
Maryland
It is an UNDERWITER condition to clear. Appraisers make a recommendation for roof certification due to ........ Underwiter then can either call for roof cert. or waive the recommendation ( not very likely).

You have met your obligation by recommending roof cert. in the FHA's eyes.
Don't go accepting a roof cert! It is not for us to do as appraisers and have seen an appraiser accept one and state they have received a "qualified roof certification which indicates the roof has been repaired and is good for 5 yrs". Roof was bad, roofer went bye bye, Appraiser said
" QUALIFIED ROOF CERT", E & O company paid for new roof!
( IF WE DON'T KNOW IF THE ROOF IS BAD HOW DO WE KNOW THE CERT IS RIGHT!)

BINGO !!!

Whether conventional or FHA, when we call for certs or inspections, it is for the UW to sign off on, not us, unless the appraiser wishes to take back all of the liability.
 
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