Hazards and Nuisances:
Insulation Materials

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Chapter 1
Appraisal and Property Requirements
Page 1-18h

Asbestos Insulation: Asbestos used as roof shingles or siding on a house does not pose a danger as would be if the material were deteriorating within the confines of a home. When used as a wrap for hot water pipes, it is usually covered and poses no danger. When the material is deteriorating into a fine powder and can be inhaled, it may pose a danger to one’s health.

Asbestos wrapping around hot water pipes in the basement of a dwelling may be found in older homes. If an appraiser notices this, he/she should make a note on the appraisal report that there appears to be asbestos insulation wrap around the hot water pipes. If there is not obvious deterioration of the asbestos such as punctures or other damage, it should be left alone. If there is obvious damage, the appraiser should annotate the valuation condition sheet and the lender should require an inspection by a professional in that field.

Foam Plastic Or Foam Core: See HUD Handbook 4150.1, P. 12-20, Section 20-21

Please see: HUD Handbook 4150.1 Chapter 12

	Airports
	Railroad tracks and other high noise sources
	Flood zones and insurance
	Lead based paint
	Radon
	Overhead high voltage transmission towers and lines
	Operating and abandoned oil and gas wells, tanks and pressure lines
	Insulation materials
	Lava zones
	Avalanche hazards