Forum Header

Georgia Appraiser Forum

Provided by:   John M. Bryant, Inc., A Georgia Appraisal School

School Calendar | Phone Book | Appraisal Topics | Appraisal Questions | Other Topics

Forum Rules
Online Courses
Appraiser Search
MLS Analyzer


Register Calendar Latest Topics
 
 
 


Reply
  Author   Comment  
Meatloaf

Avatar / Picture

Platinum Member
Registered:
Posts: 2,611
Reply with quote  #1 
OK... I know you all have seen it.  Where someone builds an insulated box over the drop stairs.  This is sometimes just sitting there and many times people go through great trouble to cover it with the loose fill insulation.

Remove it?  Do it subject to removal? or do it as-is and explain the lack of attic access?



I have seen folks (including HUD) consider this a "sealed attic" for energy purposes and it is not designed to be removed.

What say yall???

I did a house that had one, so I did it "as-is" and explained the lack of attic access.  The client told the seller they had to move it so the attic could be inspected.  They called me back out to do the attic inspection on a 1004D.  No big deal... But now they are saying they want the original 1004 changed to "subject to" or they cannot charge the borrower for the 1004D.

I don't get that... They aren't threatening to not pay me, but they are saying they can't charge the borrower.  Makes sense since it wasn't a requirement for the space to be opened.  But .... How would yall handle it.

__________________
The AMC is my B!TCH!
0
MEP

Avatar / Picture

Platinum Member
Registered:
Posts: 2,851
Reply with quote  #2 
Actually, I inspected a new construction townhouse a few weeks ago; the scuttle was sealed...I took a photo of the scuttle and my ladder...I did not condition the report...As of today, I have not heard a word from anyone....

Earlier this year, I did one that sounds like what you saw...again, a photo with an explanation...I did not condition this report, and to date, no questions or concerns. I am guessing that this is going to be the 'future' of attic access.

Did your attic have any mechanical stuff in the attic or was it in the crawl space?

MEP

__________________
M. E.

"Don't call him a cowboy until you see him ride'
0
Bobby

Avatar / Picture

Platinum Member
Registered:
Posts: 6,108
Reply with quote  #3 
I will knock that sh!t out of my way, unless the borrower is standing there. Then I’ll let them monkey with it. Worst case scenario, recycle a dark photo.
I ain’t got time for all that...

__________________

Never compromise with a liberal!

0
Meatloaf

Avatar / Picture

Platinum Member
Registered:
Posts: 2,611
Reply with quote  #4 
Recycle a dark photo???? A wooooo wooooo.... Im' gonna tell.
__________________
The AMC is my B!TCH!
0
RubberStamp

Platinum Member
Registered:
Posts: 2,304
Reply with quote  #5 
For the record I typically push things out of the way as the borrower rather have that than an additional $150 cost and missed time from work meeting me.

Not sure about attics but they are not requiring you to look in crawlspaces anymore if there's an obstruction. Since home values began going up you could visibly see caution being thrown to the wind by the secondary markets.  Nobody cares anymore.  I have a hard time caring then.

So if you've got serious issues in your crawl and want FHA financing..  just build something over the crawl access quickly so that we can't look inside.  Sounds reasonable.  And FHA doesn't mind.

__________________
We argue this: Meanwhile the agent's assistant just did 5 unofficial appraisal inspections they paired with a Zestimate and granted 90% LTV - all guaranteed no buy back.
0
Meatloaf

Avatar / Picture

Platinum Member
Registered:
Posts: 2,611
Reply with quote  #6 
Or better yet.  Take a piece of cardboard with you and place it in front of the crawl access.  Take a photo and you don't have to deal with the spiders.  And maybe you will get that extra 150 to go take the photo.
__________________
The AMC is my B!TCH!
0
Bobby

Avatar / Picture

Platinum Member
Registered:
Posts: 6,108
Reply with quote  #7 
Quote:
Originally Posted by Meatloaf
Recycle a dark photo???? A wooooo wooooo.... Im' gonna tell.


I know, I'm the only one that dare speak the truth.

__________________

Never compromise with a liberal!

0
treskirkland

Platinum Member
Registered:
Posts: 802
Reply with quote  #8 
I had one where the drop stairs were nailed shut and they required the homeowner to unseal it for a final inspection...    If they are ordering a final inspection, and the homeowner is providing access to the attic, then I think you should change it to "subject to".  
0
Meatloaf

Avatar / Picture

Platinum Member
Registered:
Posts: 2,611
Reply with quote  #9 
Got my official response from the Atlanta HOC.

It starts with "Well... If its a good client...."

I'll let yall fill in the rest.

__________________
The AMC is my B!TCH!
0
RubberStamp

Platinum Member
Registered:
Posts: 2,304
Reply with quote  #10 
Quote:
Originally Posted by treskirkland
I had one where the drop stairs were nailed shut and they required the homeowner to unseal it for a final inspection...    If they are ordering a final inspection, and the homeowner is providing access to the attic, then I think you should change it to "subject to".  


Come to think of it..  I did too.  Nevermind that if there's a leaky roof there's typically ceiling stains within 1 rain storm.  Where in a crawl..  all kinds of menacing latent issues can hide.  If it were up to me in every home built before 1980, like those intown ranches, bungalows and capes.. I'd require an inspector under the bathroom and have a look.   Most of them have leaks.. and rotting wood... an poorly supported very heavy tubs..    that we can rarely see from head and shoulder.  It was very common that they would set the tub and then run the plumbing and if it ran too close to a joist they would just cut the joist, sometimes completely..  the same one that's holding the cast iron tub.

Crazy..  but they do stay in place for like 50 years..  but its a shame because all of that beautiful old tile gets cracked over time because of that lazy move when the quality was otherwise good enough to last hundreds of years.

__________________
We argue this: Meanwhile the agent's assistant just did 5 unofficial appraisal inspections they paired with a Zestimate and granted 90% LTV - all guaranteed no buy back.
0
Meatloaf

Avatar / Picture

Platinum Member
Registered:
Posts: 2,611
Reply with quote  #11 

Best instructional info ever...............



"Well... If it's a good client....."
                                   - HUD Reviewer, Atlanta HOC 11/1/2017

__________________
The AMC is my B!TCH!
0
eheffner

Gold Member
Registered:
Posts: 61
Reply with quote  #12 
I have come across this twice, and like MEP, I took a photo and explained the attic could not be accessed.  I did not make the report "subject to".  I never heard back from my client on either one. 

In one case, the attic access was a scuttle over some old basement stairs (split-level) that I was uncomfortable stepping on in the first place, much less putting a ladder up.  If the client required me to go back out on that one, I would have stipulated that the owner had to provide a safe way for me to access the attic.  No appraisal is worth me hurting myself.
0
RubberStamp

Platinum Member
Registered:
Posts: 2,304
Reply with quote  #13 
Quote:
Originally Posted by eheffner
I have come across this twice, and like MEP, I took a photo and explained the attic could not be accessed.  I did not make the report "subject to".  I never heard back from my client on either one. 

In one case, the attic access was a scuttle over some old basement stairs (split-level) that I was uncomfortable stepping on in the first place, much less putting a ladder up.  If the client required me to go back out on that one, I would have stipulated that the owner had to provide a safe way for me to access the attic.  No appraisal is worth me hurting myself.


I think the trick with this is did it have other items needing to be addressed?  Mind did..  so they made them break open the attic.  Maybe if that's the only thing they let it slide "if its a good client"

__________________
We argue this: Meanwhile the agent's assistant just did 5 unofficial appraisal inspections they paired with a Zestimate and granted 90% LTV - all guaranteed no buy back.
0
Meatloaf

Avatar / Picture

Platinum Member
Registered:
Posts: 2,611
Reply with quote  #14 
I figure like this... Good clients don't ask me to change crap just so they can bill their borrower.
__________________
The AMC is my B!TCH!
0
johnmbryant

Avatar / Picture

Moderator
Registered:
Posts: 2,693
Reply with quote  #15 
Say what you saw, take a picture, explain it, and forget it.
0
Meatloaf

Avatar / Picture

Platinum Member
Registered:
Posts: 2,611
Reply with quote  #16 
John,  Thats kinda what I did.  Then they wanted me to change it.

But....according to HUD.... If its a "good client"...I should take the 5 minutes and change it.

__________________
The AMC is my B!TCH!
0
Previous Topic | Next Topic
Print
Reply

Quick Navigation:

Easily create a Forum Website with Website Toolbox.

Appraisal Topics | Appraisal Questions | Other Topics