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frames, wood siding in contact with the ground and crawl spaces.  Mud tunnels running from the ground up the side of the house may indicate termite infestation.  Observe the eave and gable vents and wood window sills for indication of the entrance of swarming termites and note excessive dampness or large areas where the vegetation is dead.  Evidence of active termite infestation must be noted.

C.  Sectioned Reports and Condition Clearance - The following are guidelines for clearance of termite report conditions in states where section termite reports are provided.  On these reports each finding/recommendation will be noted in either Section I or Section II, or the equivalent.

1.  Sections

a.  Section I - contains items where there is evidence of active infestation, infection or conditions that have resulted in or from infestation or infection.

b.  Section II - items are conditions deemed likely to lead to infestation or infection, but where no visible evidence of such was found.  The Structural Pest Control Board has advised that Section II items will probably be major items which have not become infestations/infections, but possibly will become in the future.

Link to HOC’s procedures for clearing Sectioned Pest Reports.  

ROOFS & ATTICS

To access information quickly, click on one of the following:

A.  Roofs

B. Attics

A.

Roofs - The covering must prevent moisture from entering and provide reasonable future utility, durability and economy of maintenance.   The appraiser must visually examine the roof to determine whether deficiencies present a health and safety hazard or do not allow for reasonable future utility.   (4905.1 REV-1, 2-12.)

1.

Life Expectancy: The appraiser must exercise sound judgment when evaluating roof condition. 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 condition must clearly state whether the subject is to be repaired or re-roofed.  

2.

Snow Covered Roofs

a.

In areas where the snow is likely to lay for more than a few days:

1)

The appraiser is required to make an extra thorough inspection of the attic and all visible roofing areas for signs of failing roofing materials.  

2)

If there is evidence of damage and/or leaks the appraiser is to condition appropriately for correction(s).  

3)

If there is no evidence of damage and/or water leaks. The borrower must be informed that the roof was snow covered at the time of the appraisal and that it is acceptable to the purchaser without any warranty or guarantees from HUD/FHA.  

Copy Printed: REVISION  I

   02/16/0228       Revision Effective:  05-30-00

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