Skinner Posted July 19, 2016 Report Share Posted July 19, 2016 So we are doing a refi on our house and was told by the fiance company that our deck needs to have a railing installed for safety/code. When the deck was built it was built with the mindset that it would not need a railing as it sits lower to the ground at its highest point its at 25 inches. I was told then that code was at 36 inches or above required a railing. So looking online I can't find any info on that now. I need to know if it has changed or does anyone have a online doc saying what the requirements are? I need to find out asap as this could delay my closing. Quote Link to comment Share on other sites More sharing options...
Moe7 Posted July 19, 2016 Report Share Posted July 19, 2016 Possibly something in here: http://codes.ohio.gov/oac/4101%3A8-3 "SECTION 312 GUARDS 312.1 Where required. Guards shall be located along open-sided walking surfaces, including stairs, ramps and landings, that are located more than 30 inches (762 mm) measured vertically to the floor or grade below at any point within 36 inches (914 mm) horizontally to the edge of the open side. Insect screening shall not be considered as a guard. Exception: Guards are not required where a protective bar is installed 34 inches to 38 inches (864 mm to 965 mm) above the porch or deck on the interior side of the screening. The protective bar shall be capable of resisting a horizontal load of 50 pounds per lineal foot (730 N/m) without contacting the screen and be a minimum of 1½ inches (38 mm) in height." Quote Link to comment Share on other sites More sharing options...
mmrmnhrm Posted July 19, 2016 Report Share Posted July 19, 2016 1. What was code at the time the deck was built? 2. Why is a finance company getting into issues that are the realm of an insurance company? Quote Link to comment Share on other sites More sharing options...
Turbs3000 Posted July 19, 2016 Report Share Posted July 19, 2016 are you using FHA or the like .gov backed refi? Quote Link to comment Share on other sites More sharing options...
Skinner Posted July 19, 2016 Author Report Share Posted July 19, 2016 Why is a finance company getting into issues that are the realm of an insurance company? Thats a great question. Our loan officer was wanting to know the same thing but they would not or havent yet given him a answer. Quote Link to comment Share on other sites More sharing options...
Skinner Posted July 19, 2016 Author Report Share Posted July 19, 2016 are you using FHA or the like .gov backed refi? No, we just went to our bank (PNC). Quote Link to comment Share on other sites More sharing options...
Skinner Posted July 19, 2016 Author Report Share Posted July 19, 2016 1. What was code at the time the deck was built? 2. Why is a finance company getting into issues that are the realm of an insurance company? Deck was built back in 2006. What the code said then I dont remember but I was told that with it being under 3 feet a railing wasn't needed. Quote Link to comment Share on other sites More sharing options...
SRTurbo04 Posted July 19, 2016 Report Share Posted July 19, 2016 I know your trying to find the code, but could this be as easy and throwing a few 2x4s up for a few days and not have to worry about finding it and proving it? Quote Link to comment Share on other sites More sharing options...
Skinner Posted July 19, 2016 Author Report Share Posted July 19, 2016 I know your trying to find the code, but could this be as easy and throwing a few 2x4s up for a few days and not have to worry about finding it and proving it? Possibly, buts what to say they tell me thats not up to code and force me to do it again, the right way making me spend even more money. I would rather do a little research, find out what required and not install anything or if I have to do it, do right and not have it look like complete shit. Quote Link to comment Share on other sites More sharing options...
SRTurbo04 Posted July 19, 2016 Report Share Posted July 19, 2016 Possibly, buts what to say they tell me thats not up to code and force me to do it again, the right way making me spend even more money. I would rather do a little research, find out what required and not install anything or if I have to do it, do right and not have it look like complete shit. Makes sense, I would put it up then take the thing down once its all done. So stupid all the technicalities that has to be met. Good luck. Quote Link to comment Share on other sites More sharing options...
Turbs3000 Posted July 19, 2016 Report Share Posted July 19, 2016 Did they give you the appraisers report yet? If not I'd ask for your copy of it. It will at least have the details and the contact of who did it and you can call him directly. Quote Link to comment Share on other sites More sharing options...
Geeesammy Posted July 19, 2016 Report Share Posted July 19, 2016 Likely used an appraiser from a different county where rules would make yours illegal. Appraiser must be a real dickhead and mentioned it as a risk. Quote Link to comment Share on other sites More sharing options...
o0n8 Posted July 19, 2016 Report Share Posted July 19, 2016 100% positive your appraisal was done as an FHA or VA unless you have unsafe stairs. Finance companies care because they have to go through the hoops to have it insured/bought by the government agency. If your loan officer doesn't know this, you have a bad loan officer. Quote Link to comment Share on other sites More sharing options...
Skinner Posted July 20, 2016 Author Report Share Posted July 20, 2016 100% positive your appraisal was done as an FHA or VA unless you have unsafe stairs. Finance companies care because they have to go through the hoops to have it insured/bought by the government agency. If your loan officer doesn't know this, you have a bad loan officer. I want to say its a conventional loan but not sure wife has done all the leg work. I will have to find out. Quote Link to comment Share on other sites More sharing options...
iwashmycar Posted July 20, 2016 Report Share Posted July 20, 2016 The number is 30". That's why all the houses we do wether it's a front porch or rear don't typically have railings as they are typically 18-24" above grade. Quote Link to comment Share on other sites More sharing options...
Skinner Posted July 25, 2016 Author Report Share Posted July 25, 2016 Provided the lender with what code requires and they said OK and are now not requiring the railing. Quote Link to comment Share on other sites More sharing options...
Zx2guy19 Posted July 25, 2016 Report Share Posted July 25, 2016 Nice! For the record, some places do safety inspections during appraisals. Not sure why, as I had to remove safety bars from one house while doing a refinance/reappraisal, and put them back on after and wasn't brought up the next time I did it. These people play by their own rules unless you challenge them. Quote Link to comment Share on other sites More sharing options...
Gergwheel1647545492 Posted July 25, 2016 Report Share Posted July 25, 2016 No, we just went to our bank (PNC). why not just talk to Marc and get your refi done the right way..... :dumb: Quote Link to comment Share on other sites More sharing options...
AngryBMW Posted July 25, 2016 Report Share Posted July 25, 2016 No, we just went to our bank (PNC). Did you forget my number?! Email me what PNC is offering...I'd almost bet I can beat it. Mstock@usavingsbank.com -Marc Quote Link to comment Share on other sites More sharing options...
Exodus Posted July 25, 2016 Report Share Posted July 25, 2016 Possibly something in here: http://codes.ohio.gov/oac/4101%3A8-3 "SECTION 312 GUARDS 312.1 Where required. Guards shall be located along open-sided walking surfaces, including stairs, ramps and landings, that are located more than 30 inches (762 mm) measured vertically to the floor or grade below at any point within 36 inches (914 mm) horizontally to the edge of the open side. Insect screening shall not be considered as a guard. Exception: Guards are not required where a protective bar is installed 34 inches to 38 inches (864 mm to 965 mm) above the porch or deck on the interior side of the screening. The protective bar shall be capable of resisting a horizontal load of 50 pounds per lineal foot (730 N/m) without contacting the screen and be a minimum of 1½ inches (38 mm) in height." Makes me think of: http://i64.tinypic.com/wuh4sm.jpg Quote Link to comment Share on other sites More sharing options...
MattKatz Posted July 26, 2016 Report Share Posted July 26, 2016 I had to have a railing put up on my home before I could close when I bought it....This was an FHA loan...but it does happen. Just put up something simple and removable and remove it after...Thats what I did. Easy solution, problem solved. Quote Link to comment Share on other sites More sharing options...
Not Brian Posted July 26, 2016 Report Share Posted July 26, 2016 I had to have a railing put up on my home before I could close when I bought it....This was an FHA loan...but it does happen. Just put up something simple and removable and remove it after...Thats what I did. Easy solution, problem solved. Provided the lender with what code requires and they said OK and are now not requiring the railing. problem solved. Quote Link to comment Share on other sites More sharing options...
MattKatz Posted July 26, 2016 Report Share Posted July 26, 2016 I didnt see that....I was just relaying my experience. Quote Link to comment Share on other sites More sharing options...
Clifford Automotive Posted August 4, 2016 Report Share Posted August 4, 2016 Just sold a house. Its a liability issue with the lien holder. I had to put railings up for the new home owner to get the financing. Quote Link to comment Share on other sites More sharing options...
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