FHA new construction inspections in Indiana.
Building in Indiana with an FHA loan, on a lot where no one issues a building permit and a certificate of occupancy? The lender needs three inspections, each written up on a HUD-92051 Compliance Inspection Report. Call before the footing is poured.
Does Indiana inspect new homes outside city limits?
Indiana's residential code applies statewide, but enforcement for one- and two-family homes is entirely local. Where a county or town has no building department, houses are built without plan review or inspection.
The code still governs how the house is built. What the lender lacks is a local permit and certificate of occupancy to put in the FHA file.
Ask the county or city two questions
Do you issue a building permit for a new house at this address? Do you issue a certificate of occupancy when it is finished? Call the office that would issue them and ask before you break ground.
Tell the lender if either answer is no
Without both documents, an FHA lender asks for footing, framing, and final inspections instead. Get the loan officer to confirm in writing who the file can use to do them.
Book the inspections around the pour date
Send us the lender's condition, the plans, and the builder's schedule. Scapular holds an active PE license in Indiana, and each visit produces its own HUD-92051.
The three inspections, in order.
Two of the three are of work that gets covered, so each has to happen at its stage. Read how the HUD-92051 inspections work.
Footing
Before the concrete pour, while the excavation, forms, and reinforcing can still be seen.
Framing
Before insulation and drywall, while the framing, connections, and load path are open.
Final
When construction is complete, including grading and drainage away from the foundation.
Other engineering reports in Indiana: PE inspections in Indiana.
Building in Indiana?
Send the address, the lender's condition, and the build schedule. We will confirm the scope before the first visit is booked.