source:
  type: guide
  id: hud-4000-1-ii-g-roof-covering
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part II — g. Roof Covering
    (09/14/2015)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part II — g. Roof
    Covering (09/14/2015).
  coverage_tier: operative
obligations:
- id: hud-4000-1-ii-g-roof-covering-full
  canonical_id: hud-4000-1-ii-g-roof-covering-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part II — g. Roof Covering
    (09/14/2015)
  type: do
  tags:
  - regulator-direct
  - fha
  - hud-handbook
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: FHA Single Family Housing Policy Handbook 4000.1, Part II — g. Roof
      Covering (09/14/2015)
    source_class: hud-handbook
    source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000-1
    snapshot_id: 8c03836f77f317e1
    fetched_at: '2026-05-23T00:28:40Z'
    content_hash: sha256:411430f29b13f9b54a2ebb0e6f6e7087ecd2b90d0da22eb0c8c792eaa2d7d0df
    paragraph_quote: g. Roof Covering (09/14/2015) The Appraiser must notify the Mortgagee
      of the deficiency of MPR or MPS if the roof covering does not prevent entrance
      of moisture or provide reasonable future utility, durability and economy of
      maintenance and does not have a remaining physical life of at least two years.
      The Appraiser must observe the roof to determine whether there are deficiencies
      that present a health and safety hazard or do not allow for reasonable future
      utility. The Appraiser must identify the roofing material type and the condition
      observed in the “Improvements” section of the report. The Appraiser must report
      if the roof has less than two years of remaining life, and make the appraisal
      subject to inspection by a professional roofer. 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.
  judgment: false
