How does the appraiser proceed when the roof is unobservable?

When the Appraiser is unable to view the roof, the Appraiser must explain why the roof is unobservable and report the results of the assessment of the underside of the roof, the attic, and the ceilings.   Based on the information reported by the Appraiser, the underwriter will determine whether a roofing inspection is required.  

For additional information see Handbook 4000.1 II.D.3.h. at

All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.

Topic Number: KA-05062