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Albany Roofers: Article About FHA Minimum Roof Standards

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When buying or selling a home, the inspection should be as thorough as possible to protect both the buyer and seller from unpleasant surprises. A roof inspection is an important part of the home inspection process, both for the peace of mind of the involved parties and as a requirement of the Federal Housing Administration (FHA).

The FHA requires that homes meet basic property standards before the conclusion of a sale that includes a mortgage. This requirement is enforced for several reasons, all of which are designed to protect the lender. A buyer is more likely to stay in a home that meets these minimum standards, which means that they are more likely to continue making mortgage payments in times of hardship. Additionally, in the case of foreclosure, it makes the home easier to sell and helps bolster the sale price. Albany roofers can verify that a home meets these standards.

These minimum property standards focus on three major criteria: safety, security and soundness. Property issues that don't compromise the safety, security or soundness of the property aren't subject to these requirements, but any issues that do may prevent a sale.

With regards to roofs, the FHA has strict, specific requirements. Whether a home meets these requirements can be easily verified with a complete, thorough roof inspection.

The roofers at Ideal Construction of Albany NY can assist you with any questions regarding siding or doors.

The first requirement is that the roof must keep moisture out. Any holes or leaks will cause a home to fail this requirement until repairs are made. Second, the roof must be expected to last for the next two years. This includes keeping out moisture and general stability. Third, the roof cannot have more than three layers of roofing from previous repairs. If it does and the inspection indicates that repairs are necessary, FHA requirements dictate that a completely new roof must be installed.

As part of the inspection process, the roof and attic must be inspected for signs of damage to the roof. There is a handful of common signs that a roof inspector will look for during this inspection, including flashing with cracked caulk or rust spots; buckling, curling or blistering shingles; shingles that are missing or broken; the presence of moss and lichen; and cracked or worn rubber boots around vent pipes. The presence of any of these signs in the roof or attic of a home may indicate that repairs are necessary in order for the home to meet FHA requirements.

The roof inspector can recommend a course of action for addressing these concerns and provide an estimate.

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