4150.2 Appendix D, Page D-22 -- Attic:  Enter the attic and observe the interior roofing for insulation, deficient materials, leaks or readily observable evidence of significant water damage, structural problems, previous fire damage, FRT sheathing, exposed and frayed wiring and adequate ventilation by vent, fan or window. If any of these deficiencies exist, condition the appraisal on their repair and prepare the appraisal "subject to repairs" and/or "subject to inspection". The attic must be entered, at a minimum, by head and shoulders, whether access is by pull-down stairway or scuttle.  Size of the scuttle and accessibility of the attic dictate the level of entry.

4150.2 Appendix D, Page D-3 -- "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."