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What should I do if the appraiser says my roof needs to be checked for leaks?
Appraisers are not required to physically inspect the roof during an appraisal - they assess it visually from the ground, relying on signs of potential issues like water stains or missing shingles.
If the appraiser identifies any potential roof problems, they will typically recommend a full roof inspection by a licensed roofing contractor to assess the condition and identify any active leaks.
The appraiser's recommendation for a roof inspection is not the same as a comprehensive home inspection - it's a targeted evaluation of the roof's status.
FHA and VA loans have strict requirements around the roof's condition, so an appraiser flagging potential issues is common when financing through these programs.
Even if no active leaks are found, an appraiser may still require documentation of recent roof repairs or replacements to ensure the roof provides "reasonable future utility."
Homeowners should obtain multiple quotes from reputable roofers if an inspection is required, as the cost can vary widely based on the extent of repairs needed.
In some cases, the appraiser may assign a lesser value to the home if major roof work is required, which could impact the mortgage loan amount the buyer is approved for.
Sellers are often advised to proactively address any known roof issues before listing the home, as unresolved problems are likely to be identified during the appraisal process.
Homebuyers should budget for the cost of a roof inspection, which typically ranges from $200-$500, in addition to the standard home inspection.
If a roof replacement is deemed necessary, the lender may require the work to be completed before loan approval, or may hold a portion of the funds in escrow until the repairs are verified.
Proper documentation, such as invoices and permits, will be needed to demonstrate completed roof work and satisfy the appraiser's requirements.
Homeowners can potentially increase their home's appraised value by investing in a new roof, with some estimates suggesting a $10,000-$15,000 boost.
In some cases, the appraiser may recommend a "hypothetical condition" that assumes the roof has been repaired, allowing the sale to proceed pending verification of the work.
Homeowners should review their homeowner's insurance policy to understand coverage for roof-related claims, as this may impact how repairs are handled.
Staying on top of regular roof maintenance and inspections can help avoid surprise issues during the home appraisal process down the line.
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