Evelyn Johnston, The People You Know, Like and Trust! (Friends & Neighbors Real Estate)

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Praful Thakkar
LAER Realty Partners - Andover, MA
Andover, MA: Andover Luxury Homes For Sale

Evelyn Johnston not heard of this - however, it could be true.

It will be and FHA appraiser - usually they have multiple appraisals anyways. I will not be surprised if this is true. (Looks like it is, based on other answers.)

Oct 21, 2015 02:44 PM
Bob Crane
Woodland Management Service / Woodland Real Estate, KW Diversified - Stevens Point, WI
Forestland Experts! 715-204-9671

It wouldnt surprise me.

Dec 01, 2018 08:03 PM
Jeff Pearl
RE/MAX Distinctive / LIC in VA - Lovettsville, VA
Full Service Full Time Realtor

"The FHA official site adds, “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 clearly state whether the subject is to be repaired or re-roofed.”


"If an appraiser notices any leaks or moisture due to roofing issues, those conditions will be noted on the appraisal report. Any noticeable holes, water damage or other problems are also noted. An FHA appraiser is not an expert on roofing, nor is the appraiser required to step onto the roof to inspect it further. "


Oct 22, 2015 07:07 AM
Annette Lawrence , Palm Harbor, FL 727-420-4041
ReMax Realtec Group - Palm Harbor, FL
Making FLORIDA Real Estate EZ

In Florida this has been a part if an inspection required by ALL insurance companies. So, I advise clients use an inspector who is certified for this purpose also.

FHA's expansion into this area is not a surprise.  It's going to prove to be yet another liability the FHA backed buyer must overcome to get a seller to consider their offer. And here is the issue, the insurance inspection will say 7 years and the FHA appraiser will say 4 years. Hopefully you know what the minimal remaining life is.  Seller says, "NEXT."

Oct 21, 2015 10:39 PM
TeamCHI - Complete Home Inspections, Inc.
Complete Home Inspections, Inc. - Brentwood, TN
Home Inspectons - Nashville, TN area - 615.661.029

 Good Thursday morning Evelyn. The rules for FHA inspections has changed dramatically. The answer is yes. There are a lot of folks who are getting out of that industry due to the high liability.

Oct 21, 2015 07:17 PM
Joe Petrowsky
Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709 - Manchester, CT
Your Mortgage Consultant for Life

Good morning Evelyn. I don't recall reading that it the new guidelines, however appraisers are being asked to comment on the roof and if there is the slightest question, a comment is made to have a professional look to give an opinion.

Oct 21, 2015 06:59 PM
John Pusa
Berkshire Hathaway Home Services Crest - Glendale, CA
Your All Time Realtor With Exceptional Service

Evelyn, this is very good question.

Oct 21, 2015 02:27 PM
Tammy Lankford,
Lane Realty Eatonton, GA Lake Sinclair, Milledgeville, 706-485-9668 - Eatonton, GA
Broker GA Lake Sinclair/Eatonton/Milledgeville

inspector? no, appraiser yes is required to make notes about the roof from visual inspection.  I've seen them use a ladder to get up to see the shingles and binoculars, never get on a roof.

Oct 21, 2015 02:22 PM
Debbie Reynolds, C21 Platinum Properties
Platinum Properties- (931)771-9070 - Clarksville, TN
The Dedicated Clarksville TN Realtor-(931)320-6730

An appraiser told me he has to make a visiable inspection from the ground and estimate life left on the roof. If it is too short or he is unsure he will require a licensed roofer to evaluate.

Oct 21, 2015 12:43 PM
Kathleen Luiten
Resort and Second-Home Specialist - Princeville, HI
Kauai Luxury Ocean Home Sales

I don’t think so. But the appraiser may have doubts and ask for a roof inspection. As far as I know the FHA requirement is that the roof should not be leaking and needs to have at least two years of economic life left.

Oct 21, 2015 12:12 PM
Evelyn Johnston
Friends & Neighbors Real Estate - Elkhart, IN
The People You Know, Like and Trust!

Or is it only when an appraiser says they recommend a roof inspection?

Oct 21, 2015 11:34 AM