Roof Fha Requirements

Application of the roof system shall be by.

Roof fha requirements.

As with the va loan an fha loan requires that the roof on a home not be leaking. Complete watertight roof membrane system. One of the fha rules for the roof requires the appraiser to report if it has less than 2 years remaining life and require it to be replaced. Appraisal requirements for fha mortgage loans are found in hud 40001 and include guidelines for electrical systems plumbing paint and also requirements for the roof.

This of course is a judgment call that the appraiser is required to make. Substrate for the new roofing system. It also requires that the roof be functional for at least two more years from the date of purchase. The net free vent area nfva shall not be less than 1 150 of the area of the space being.

The condition of the roof is important as it s a major source of headaches for a homeowner if there is a problem down the line. The roof should satisfy the following functional requirements. The appraiser must clearly state whether the subject is to be repaired or re roofed. If more than two layers of roofing exist and re roofing is required all of the old roofing must be removed as part of the re roofing.

Also the warranty shall include all flashings seaming for single ply and other non conventional roofs wood and metal work sealing access walks and other work to make a. The roof covering should have adequate resistance to resist the effect of weather elements such as the wind rain sun snow etc. To be specific the following has been taken from the hud handbook 4000 1 regarding the fha rules for the roof. If it is determined that the roof has a remaining life of less than two years then it would be the responsibility of the appraiser to call for repair or the construction of a new roof.

Federal housing administration fha loans have requirements including minimum property standards which help protect lenders. Federal housing administration fha loans must meet safety. Fha will accept a maximum of 3 layers of roofing material. Code requirements the international building code 2012 edition ibc 2012 requires enclosed attics and enclosed rafter spaces formed where ceilings are applied directly to the underside of roof framing to have cross ventilation for each separate space.

The existing roof system for acceptability as a. But that s not all the fha also requires a minimum amount of durability. According to the fha website they have clearly stated that the roof should be able to last for a minimum of two years. The placement of composition shingles over wood shake shingles is not acceptable.