Does FHA require a roof inspection?
FHA doesn't separately require a roof inspection, but the appraiser inspects the roof as part of the appraisal. Visible damage or short remaining life triggers repair or roof-replacement requirements.
What this actually means.
In Florida, insurance carriers often require their own 4-point inspection that scrutinizes the roof. That is separate from FHA but it can effectively force the same repair before closing.
Where this can move.
Property condition, repair requirements, condo project approval status, and seller willingness to address flagged repairs can change the answer.
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Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with HUD, FHA, or any government agency.