Fha Attic Insulation Requirements

The appraiser is required to report what they see and if they reported that the home did not have insulation then the lender probably made this a requirement to get the loan.

Fha attic insulation requirements.

Recommended insulation levels for retrofitting existing wood framed buildings. This page was updated in january 2020 and to include the latest information on fha appraisal guidelines and requirements for 2020. Fha appraisers are required to observe the attic area. Nrca guidelines regarding attic ventilation nrca recommends designers provide at least 1 square foot of nfva for every 150 square feet of attic space 1 150 ventilation ratio measured at the attic floor level ceiling.

Home was built in 1984 but insulation was updated the roof can obviously be observed from the. Add insulation to attic. Inspection the attic must be examined whether access is by pull down stairway or scuttle. Existing 3 4 inches of insulation.

Fha does not have a specific requirement for insulation. Recessed lights or fans that protrude into the attic space should not be covered by insulation. Federal housing administration fha loans must meet safety. Attic and crawl space inspection requirements.

General acceptance criteria property eligibility and non residential use of property. All appropriate approaches must be utilized when applicable. While federal and in some cases state guidelines for insulation levels are merely recommendations the local building code is the true authority over insulation requirements. Unless the attic is used as a habitable space attic insulation should be installed between the rafters of the attic floor rather than the attic ceiling.

A vapor barrier must be present on the warm side of insulation to prevent moisture problems. If you use an fha loan to buy a house the property will have to be appraised and inspected by a hud approved home appraiser. Cost and income approach for value. Clarifying that fha requires an inspection.

Ensuring that mixed use properties comply with zoning. Federal housing administration fha loans have requirements including minimum property standards which help protect lenders. When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report. At a minimum the appraiser must enter head and shoulders into the attic.