Minimum Roof Life Fha

The roof should have a remaining physical life of at least two years.

Minimum roof life fha.

But that s not all the fha also requires a minimum amount of durability. The roof cannot have more than three layers of roofing. Fha minimum property requirements in hud 4000 1. The roof must have at least 3 years of remaining life.

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. The appraiser must clearly state whether the subject is to be repaired or re roofed any leaks or moisture due to a problem with the roof are noted will be noted on the appraisal report. 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. The appraiser must exercise sound judgment when evaluating roof condition.

Manufacturer for the roof system performance which includes wind blow off resistance fire classification and durability for a minimum of l0 years for labor and materials. To be specific the following has been taken from the hud handbook 4000 1 regarding the fha rules for the roof. The appraiser must report if the roof has less than two years of remaining life and make the appraisal subject to inspection by a professional roofer. Hud 4000 1 has a section with guidelines concerning the minimum property standards for homes to be purchased with an fha mortgage.

This of course is a judgment call that the appraiser is required to make. The roof should have a remaining physical life of at least two years. If the roof has less than two years remaining life then the appraiser must call for re roofing or repair. The appraiser must report if the roof has less than two years of remaining life and make the appraisal subject to inspection by a professional roofer.

According to the fha website they have clearly stated that the roof should be able to last for a minimum of two years. Remaining economic life of the home.