Attic

  Previous topic Next topic JavaScript is required for the print function  

Handbook 4000.1, 9/15/2015, page 489

The Appraiser must observe the interiors of all attic spaces. The Appraiser is not required to disturb insulation, move personal items, furniture, equipment or debris that obstructs access or visibility. If unable to view the area safely in their entirety, the Appraiser must contact the Mortgagee and reschedule a time when a complete visual observation can be performed, or complete the appraisal subject to inspection by a qualified third party. In cases where access through a scuttle is limited and the Appraiser cannot fully enter the attic, the insertion of at least the head and shoulders of the Appraiser will suffice.  (See Handbook 4000.1 for the specific criteria.)

 

Atlanta Valuation Training 2015, Slide 14

Attic and Crawl Space Inspection Requirements:  Clarifies that FHA requires an inspection -- more than just “head and shoulders” if possible.

 

Attic with scuttle

Access to the attic is by a scuttle hole and was limited.  A "head and shoulders" inspection was done.  There was no evidence of a deficient condition (such as a water-stained ceiling, insufficient ventilation, or smell of mold).  This appraisal is conditioned on the extraordinary assumption that the unobserved portion of the attic is similar to the observed portion.  (Handbook 4000.1, 12/30/2016, page 505)

 

 

Attic with scuttle (omit "head and shoulders" description)

Access to the attic is by a scuttle hole and was limited. There was no evidence of a deficient condition (such as a water-stained ceiling, insufficient ventilation, or smell of mold).  This appraisal is conditionedx` on the extraordinary assumption that the unobserved portion of the attic is similar to the observed portion.  (Handbook 4000.1, 9/15/2015, page 489)

 

The first comment is really the best but some lenders don't like the words "head and shoulders" so the second comment is acceptable.  The italicized words are quotes from the 4000.1 manual and should be included in the comment.

 

Modified:  11/20/2018

Page url: http://www.georgiaappraiser.com/fha/index.html?attic.htm