3.6 Appraisal Inspection Guide
Appraisers are starting to use an updated report format — UAD 3.6 — that requires more data, more photos, and more documentation than ever before. A little preparation on your end goes a long way.
Plan for more time. The inspection now takes longer, typically 45 to 90 minutes. The updated format requires the appraiser to collect significantly more data points, measurements, and condition ratings than the prior form.
Expect more photos. UAD 3.6 requires a substantially higher number of photos: every room, all exterior elevations, the street scene, and detailed shots of condition issues, updates, and amenities. This is now mandatory, not optional.
You’ll be asked more questions. The appraiser will ask more questions about the property than you may be used to. The new format demands specific details about updates, materials, and conditions that weren't required before.
HOME UPDATE LIST
UAD 3.6 requires appraisers to document property updates with specific detail including what was updated and approximately when. If the appraiser doesn't have this information at the inspection, it may not make it into the report. Prepare a simple list before the visit.
How to Format It
A simple handwritten or typed list works perfectly. Use a format like this:
Items to Include
• Kitchen updates (cabinets, counters, appliances)
• Bathroom remodels or fixture updates
• Flooring (type and approximate year replaced)
• Roof — age or year replaced
• HVAC — age or year replaced
• Windows — age or year replaced
• Additions or finished spaces
• Exterior work (siding, paint, deck, fence)•
Access & Logistics
• Ensure access to ALL areas: garage, backyard, all rooms
• Secure pets and clear accessible areas
• Utilities must be on (required for FHA and conventional)
• Allow 45–90 minutes — do not schedule a short window
Working With the Appraiser
• Hand over your update list at the start of the visit
• Answer factual questions honestly; let the appraiser lead
• Do not offer gifts or discuss a desired value
• You may be present — the appraiser works independently