Overview
Due to severe storms, straight-line winds, flooding, and tornadoes in Kentucky, FEMA has declared the following counties a disaster.
Incident Period: December 10, 2021 and continuing
| State | FEMA Disaster Declaration | Counties |
| Kentucky | December 12, 2021 | Caldwell, Fulton, Graves, Hopkins, Marshall, Muhlenberg, Taylor, and Warren |
Re-Inspection by Product Type
| If your loan is … | A re-inspection is required … | Under these circumstances … |
| FHA Full Doc | Yes | If the original appraisal inspection date was prior to the Incident Period End Date – Continuing*. |
| FHA Streamline | No | Not applicable |
| VA Full Doc and IRRRL | Yes | If the loan was not closed (signed) prior to the Declaration Date of 12/12/2021. |
| USDA Full Doc and Streamline Assist | Yes | If the original appraisal inspection date was prior to the Incident Period End Date – Continuing*. |
| Conventional** and Non-Agency | Yes | If the original appraisal inspection date was prior to the Incident Period End Date – Continuing*. |
*In cases where FEMA has not yet issued an Incident End Date and the disaster is “Continuing”, the earliest CMS will permit a re-inspection is a minimum of 14 calendar days from the Incident Period Start Date.
**If an appraisal was not required due to a property inspection waiver (PIW), an inspection report will still be required.
For further guidance and loan property requirements refer to the Declared Disaster Policy published on carringtoncorrespondent.com.
Contacts
Please contact CorrespondentRM@carringtonms.com with any questions.
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