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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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.What is the proper way to handle a snow covered roof for FHA?
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.