The FHA bank appraisal stays with the property for 6 months after appraisal date for subsequent buyer. I had a FHA appraiser that became registered to property so every other appraiser could see what the appraiser value was.
Here is the rub I see. You should have to pay for bank appraisal, however the house doesn't have to be in compliance before closing and you take possession. Subsequent inspections are for the benefit of the seller. If the FHA inspector says, GFI in kitchen and bathrooms, railing on back yard porch and water heater bleeder is 18 inches above the floor, the seller, bank in this case has until closing to fix and this should not be a condition of underwriting on the loan.
One thing you can do is before the next appraisal, go there with your agent and see if they have been installed. If they haven't I see your choices as follows: 1) cancel the contract (talk to your attorney to make sure you can), 2) ask them again to install them and ask your lender to hold off on the appraisal until you have verified their installation, 3) ask the seller for permission and replace the smoke detectors yourself (you may want to get written permission but definitely talk to your attorney). Sometimes the last option is just what you have to do to get things done. But keep in mind that if the sale doesn't go through for whatever reason, the smoke detectors are basically a gift to the seller, and you likely have no recourse to get reimbursed (check with your attorney).
Yes I am working with a realtor and have a real estate attorney. And I am going through with the sale regardless (closing next week).
Too me it just seemed unfair. I know the house is AS-IS but what if the seller reinstalled the smoke detectors, I paid to have the appraiser come back out only to find that the detectors were not installed correctly and the appraiser needed to come back out another time. Would I have been on the hook for yet another $250?
My real estate attorney is saying that there really is nothing we can do since it is AS-IS, but I was thinking there could be some sort of breach of contract since they claimed the house came with smoke detectors then when the appraisal took place they were not present.
I know theres probably not much I can do nor would it be worth it in the end to fight this. I am not concerned about the $250, just seems unfair and want to make sure I am not getting screwed over.
(And by the way, I do take some responsibility for this, as I saw the house and noticed the smoke detectors missing, but did not complain about it as I did not think it was a big deal... that was my mistake, however I feel the sellers realtor bears the most responsibility, versus me, a first time home buyer that did not know much better at the time)