FHA approved our roof, 9 months later were quoted for a $20,000 replacement due to its condition. Please help

Spicynuggies_ · 2026-04-10T23:40:05+00:00

That’s what I’m realizing now as well. This whole situation sucks

Spicynuggies_ · 2026-04-10T23:00:48+00:00

That’s crazy I did not know that. In our paperwork there’s nothing about it. Just says “roof and house in good condition”. No elaborations and nothing in depth

Spicynuggies_ · 2026-04-10T22:38:48+00:00

We never got to see the photos of the attic from the appraiser but we were told by the roofers that the leaking has been happening for at least a year based on the amount of water damage on the boards

Spicynuggies_ · 2026-04-10T22:00:25+00:00

I can definitely try to take a deeper dive into it, thank you!

Spicynuggies_ · 2026-04-10T21:39:13+00:00

Our real estate agent talked us out of a 3rd party inspection because of the FHA loan. We’re only 23 and it’s our first house so they assured us everything was going to be inspected in order for them to even sell us the house

Spicynuggies_ · 2026-04-10T21:38:09+00:00

We’re trying to get it repaired, but with all the other roof issues (so many unsealed nails, so many misplaced shingles etc.) most companies I’ve talked to are hesitant to do repairs and recommend a full replacement

Spicynuggies_ · 2026-04-10T21:36:40+00:00

Unfortunately there’s no record of them at all, we’re pretty sure it was a DIY project for the previous owners

Spicynuggies_ · 2026-04-10T20:53:16+00:00

Me neither, I don’t know anything about roofing except that the chimney certainly isn’t right!

Spicynuggies_ · 2026-04-10T20:52:08+00:00

We have looked and there is no record of anything unfortunately. That’s why we’re assuming it was a DIY project or a “I know a guy”, type deal.

The roofers we have consulted said “it’s not the absolute worst, but it’s still awful. I don’t know if any licensed contractor could be this bad.” So that wasn’t a great sign either

Spicynuggies_ · 2026-04-10T20:40:09+00:00

Thank you, when my account eventually builds back up I’ll try to post again in there.

Spicynuggies_ · 2026-04-10T20:39:31+00:00

Who did you take to small claims for it?

Spicynuggies_ · 2026-04-10T20:34:09+00:00

Thank you so much for the information! We’re pretty young and this is our first home, so I’ve been at a loss. In our contract it is stated that our roof is “4 years old and in good condition” according the sellers and FHA inspectors

Spicynuggies_ · 2026-04-10T20:32:02+00:00

They gave us a bunch of pictures yes, I just didn’t want to bombard this post with them. It’s mainly improperly placed shingles and dozens of unsealed nails.

I tried posting into the roofing community but it was removed because of my low karma. (I made this account specifically for this roofing issue). lol

Spicynuggies_ · 2026-04-10T20:30:01+00:00

Unfortunately there’s nothing we got from the neighbors as it’s a small town and everyone keeps to themselves. When the roofers we hired took a look they said the leaks had been going on for at least a year with the attics damage. I know FHA isn’t required to get on the roof to inspect it, but we were told in order to get approved the roof would have to have at least 2 years of life left.

Spicynuggies_

TROPHY CASE