Tree limb over roof

[Punalava]

Doing an FHA assignment and have a question regarding how to address a tree limb hanging over a portion of the roof. The roof appears structurally sound with no visible damage noted, but there is debris from the branches collecting on one end of the roof. I am appraising the property with an "as-is' value, but with a cost to cure of removing overhanging tree limb. Please let me know if this approach is acceptable with FHA guidelines or if it should be appraised "subject to". Thank you!

 

[Scott R Marshall]

Josh,

I am not sure FHA cares about tree limbs. Now my definition of a tree limb and yours may be different as in my state, for the most part homes are built out in the open and/or most tree limbs would not pose a hazard to the home. In addition, foliage build up in my area is generally nominal and easily blown away. I would say in your estimation if the tree limb or the foliage build up poses a health or safety issue you should mention it otherwise leave it alone.

 

[NOGAVA]

If there is no visible damage or threat to the integrity of the roof, I would hesitate placing a cost to cure. I agree with Scott, if the three S's are not affected, I would just note what you've observed unless an adjustment is warranted. The underwriter makes the decision on whether or not it needs to be removed, not the appraiser.

 

[RSW]

Remember the 3 S's: Safe, Secure & Sound. If it is does not effect any of these three components, then it is not an MPR item.

 

[AnonApprsr]

If it is severely rotted, and looks like it's going to drop any second, than maybe.... but if it looks legitimately healthy I'm not too sure about it.

 

[Walter Kirk]

If the tree is dead or dying it may be an unsafe condition. If you have reason to believe that the tree or a major limb creates an unsafe condition mention it in your report.

By the way appraisers are not qualified to determine the health of trees. I know this because the Oak next to my garage looked fine to me but a limb fell and almost totaled one of my cars and damaged the front of the other last month.

 

[Punalava]

Thanks for the opinions and insight.