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Snow covered roof - how to handle for FHA

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czarina64

Thread Starter
Freshman Member
Joined
Aug 17, 2007
Professional Status
Licensed Appraiser
State
Washington
What is the proper way to handle a snow covered roof for FHA?
 

Mark to market

Junior Member
Joined
Nov 14, 2004
Professional Status
Certified Residential Appraiser
State
New Mexico
Dug this up on the FHA site

Enter the material type: composition shingle, asphalt shingle, wood, slate, clay tile, aluminum, built-up, etc. and rate the observed condition. · View the roof from ground level to determine if the integrity of the roof is sufficient.· Observe roof coverings, roof drainage systems, flashing, skylights, or chimneys for readily observable evidence of leakage or abnormal condensation on building components· Note any evidence of deterioration of roofing materials (missing tiles, shingles, flashing). Deteriorated roofing materials include those that are worn, cupped, or curled.·

If the roof is otherwise unobservable, look for telltale signs of roof problems on the interior, such as damage or water stains to the ceiling area of a room or closet. ·

The appraiser must note in the appraisal that he/she could not adequately observe the entire roof area (state which area(s) were unobservable). Based on the information reported by the appraiser, the underwriter will determine whether or not a roofing inspection is required.
 

Mr Rex

Elite Member
Joined
Jan 12, 2004
Professional Status
Certified Residential Appraiser
State
North Carolina
From 2005-34, the latest and greatest:

If unable to visually evaluate the improvements in their entirety, contact the lender and reschedule a time when a complete visual inspection can be performed. This includes access to the crawl space and attic. The appraiser is not required to disturb insulation, move personal items, furniture, equipment, plant life, soil, snow, ice or debris that obstructs access or visibility.

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Mark to market

Junior Member
Joined
Nov 14, 2004
Professional Status
Certified Residential Appraiser
State
New Mexico
From 2005-34, the latest and greatest:

If unable to visually evaluate the improvements in their entirety, contact the lender and reschedule a time when a complete visual inspection can be performed. This includes access to the crawl space and attic. The appraiser is not required to disturb insulation, move personal items, furniture, equipment, plant life, soil, snow, ice or debris that obstructs access or visibility.

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Your comments and mine are both taken from 2005-34
 

Mr Rex

Elite Member
Joined
Jan 12, 2004
Professional Status
Certified Residential Appraiser
State
North Carolina
I think yours are in the context of a flat or low slope roof. :icon_idea: It doesn't say that in 2005-34, but is almost verbatim from 4150.2 flat roof section. My quote is near the beginning of the letter in the Quick Tips that appy to the whole document.
 
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Jerry Bone Jr

Senior Member
Joined
Feb 23, 2004
Professional Status
Licensed Appraiser
State
Oregon
What is the proper way to handle a snow covered roof for FHA?
Questions for the owner (or someone else who may know): Ask what type of roof (asphalt, wood, metal, etc.). Ask how old is the roofing material. Ask about any known problems with the roofing.
During the inspection: Look in the attic for any sign of water damage (or any other type of problem). Look at the ceiling for any sign of problem.
Reporting: Report the known facts.
 

Doug Trites

Junior Member
Joined
Oct 17, 2007
Professional Status
Certified Residential Appraiser
State
Michigan
I have this all the time in Michigan and just state that the roof was snow covered at the time of inspection and recommend inspection. That leaves it up to the underwriter. If you can get info from owner then put that in your report.
 

Doug Meyer

Senior Member
Joined
Sep 13, 2003
Professional Status
Certified Residential Appraiser
State
Indiana
I have this all the time in Michigan and just state that the roof was snow covered at the time of inspection and recommend inspection. That leaves it up to the underwriter. If you can get info from owner then put that in your report.

That is what I do combined with asking the homeowner questions about the age of their roof, contractor bills....
 

Tim Hicks (Texas)

Elite Member
Joined
Jan 15, 2002
Professional Status
Certified Residential Appraiser
State
Texas
Snow covered roof? :rof: You can wait until after noon around here on the one day we get snow and the problem is solved.

Otherwise follow the manual.
 

Richard Carlsen

Elite Member
Joined
Jan 15, 2002
Professional Status
Licensed Appraiser
State
Michigan
Up here in northern Michigan, roofs (if the house is properly insulated) will have snow covered roofs from mid-November to about the end of March. If we wait for the roof to clear, the deal is down the drain.

Here's what we put in our report for both the roof and the snow covered ground (conventional and FHA):

Roof was snow covered at the time of inspection. Unable to view roof surface. No indication of any leaking during interior inspection. Limiting Condition #5 applies.

Ground snow covered. Not able to view site surface at the time of inspection. Limiting Condition #5 applies.

Leave it at that. If the UW is concerned, they will call for Larry and his brother Daryl and his other brother Daryl to climb up on the roof and shovel the roof. I had to have the roof shoveled one time in 15 years up here. We had 41 inches of snow on the roof. It is not a small undertaking.

BTW, lack of snow on the roof when there is snow on neighboring houses should alert the appraiser to the fact that a lot of heat is escaping. You might want to pay close attention to the amount of insulation present in the subject.
 
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