source:
  type: guide
  id: va-m26-7-ch12-t26
  authority: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 12, Topic 26 — Roof Covering
  description: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 12, Topic 26 — Roof
    Covering.
  coverage_tier: operative
obligations:
- id: va-m26-7-ch12-t26-full
  canonical_id: va-m26-7-ch12-t26-full
  section: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 12, Topic 26 — Roof Covering
  type: do
  tags:
  - regulator-direct
  - va
  - va-handbook
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 12, Topic 26 — Roof
      Covering
    source_class: va-handbook
    source_url: https://www.benefits.va.gov/warms/pam26_7.asp
    snapshot_id: 824171a914866a59
    fetched_at: '2026-05-23T01:53:53Z'
    content_hash: sha256:71efd8bb39bb5596ad194f1b13e6f979cfa1afbf5566e897e26836fc1ab0429e
    paragraph_quote: '26. Roof Covering Change Date March 28, 2019 • This chapter
      has been revised in its entirety. a. Requirement The roof covering must: • prevent
      entrance of moisture, and • provide reasonable future utility, durability, and
      economy of maintenance. b. Multiple Shingle Layers When a defective roof with
      three or more layers of shingles must be replaced, all old shingles must first
      be removed. c. Appraiser Expectation The appraiser is not required to climb
      onto the roof. d. Appraisal Considerations when the Roof is Not Visible When
      the appraiser is unable to view the roof, the appraiser must explain why the
      roof is unobservable and report how the condition of the roof was determined.
      For example, a roof may be covered with snow yet the appraiser observed no evidence
      of leaks and documentation was provided to the appraiser verifying the age of
      the roof. If available, other methods such as drones could be utilized to show
      the area. VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements
      12-34'
  judgment: false
