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4.

The crawl space must be clear of all debris and properly vented.

5.

The crawl space must not be excessively damp and must not have any water  

ponding.

6.

The crawl space must be adequately ventilated, providing positive airflow with no dead air space.  A vapor barrier is not typically required; however, if moisture  

problems are evident, a vapor barrier should be required.

HEATING & ELECTRICAL

To access information quickly click on one of the following:

A.  Electrical Service

B. Mechanical Certifications

C.  Heating

A.

Electrical service -

1.

May be either circuit breakers or fuses.

2.

Appraisers should examine the electrical box to ensure that there are no frayed or exposed wires.  

3.

Existing 60-amp service is acceptable if it appears that this is adequate amperage for the appliances present in the property, or those considered “standard” if the present appliances appear to be less than found in the “standard” home.

4.

Knob and tube wiring is acceptable if found to be in good condition and a minimum of 60-amps.

B.

Mechanical Certifications - (Also see section  titled “Utilities”) Electrical, plumbing and/or heating certifications may be called for by the appraiser when he/she cannot determine if one or all of these systems are working properly.  An appraiser should not arbitrarily call for such certifications as they are still responsible for checking on the adequacy of these systems at the time of appraisal.

The certification must be done by a home inspector, an inspector from the local building department, an FHA compliance inspector, a professional in the specific field (e.g. electrician, plumber) or any individual deemed to be qualified by the Direct Endorsement underwriter.

C.

Heating

1.

General - ALL habitable rooms must have a heat source.  This does not mean that each room must contain a heating device but that each room must receive sufficient heat.

2.

Wood Stoves and Solar Systems     Dwellings with wood burning stoves or solar systems as a primary heat source must have permanently installed conventional heating systems that can maintain

Copy Printed: REVISION  I

   02/16/0231       Revision Effective:  05-30-00

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