Fha Attic Insulation Requirements

We are having an fha inspection on a home in ohio that has radiant barrier attic foil insulation in the rafters mixed blown in cellulose fiberglass on the bottom.

Fha attic insulation requirements.

All appropriate approaches must be utilized when applicable. General acceptance criteria property eligibility and non residential use of property. 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. This page was updated in january 2020 and to include the latest information on fha appraisal guidelines and requirements for 2020.

No flooring just stud trusses. Inspection the attic must be examined whether access is by pull down stairway or scuttle. Cost and income approach for value. Add insulation to attic.

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. When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report. Fha does not have a specific requirement for insulation. Home was built in 1984 but insulation was updated the roof can obviously be observed from the.

Recessed lights or fans that protrude into the attic space should not be covered by insulation. 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. Federal housing administration fha loans must meet safety.

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. At a minimum the appraiser must enter head and shoulders into the attic. Recommended insulation levels for retrofitting existing wood framed buildings. Attic and crawl space inspection requirements.

The house must beek building code so this may be where the hang up is. Clarifying that fha requires an inspection. Ensuring that mixed use properties comply with zoning. 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.