Replacement Of Flat Roof Fha

Metal roofing typically comes in large sheets.

Replacement of flat roof fha.

Roof deck typically a corrugated metal panel supported by structural beams. Flat roofs which are mostly level are common on older homes and in arid environments. Insulation one distinction from steep pitch roofing is that insulation is typically above the decking and may be replaced with the membrane layer. Fha single family housing policy handbook pages 15 16.

In order to pass the appraisal process the roof must also provide reasonable future utility durability and economy of maintenance according to the fha official site. 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. Fha repair and inspection requirements for existing properties and revisions to fha appraisal protocol pages 2 3. The appraiser must note in the appraisal that he she could not adequately observe the entire roof area and state which area s were unobservable.

For starters the roof must do what it s designed to do fha and hud regulations say it must not leak or allow moisture to enter the home. If it is not a flat roof and there is no evidence of leaking than perhaps he is just wasting the lender s time and delaying the loan closing for no reason. Plus it has the added advantage of reflecting heat from the sun which keeps energy costs down. He doesn t say just that he is unfamiliar with a rubber roof covering.

The condition of the roof is important as it s a major source of headaches for a home owner if there is a problem down the line. As with any other type of roof the appraiser is to look for signs that would indicate a possible roof problem. Metal is one of the most popular materials used for flat roof replacement. Frequently asked questions fha resource center bulletin board accessed march 21 2020.

The trainee states he has called for an fha roof inspection. Flat metal roofs can last for almost 35 years in ideal conditions. Low pitch or flat roofing. How to repair a flat roof.

If the inspection reveals the need for roof repairs and the roof already has three or more layers of roofing the fha requires a new roof. This of course is a judgment call that the appraiser is required to make. Is it a flat roof. Fha no longer mandates automatic inspection of flat and or unobservable roofs.

Department of housing and urban development. 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. Water heaters the water heater must meet local building. Most low pitch roofing typically used for commercial buildings consists of three sections.

To be specific the following has been taken from the hud handbook 4000 1 regarding the fha rules for the roof.