Overview
Due to a severe storms, flooding, landslides and mudslides in Kentucky, FEMA has declared the following counties a disaster. Updates: the incident period end date has been established and an additional county is listed in bold font.
Incident Period: July 26, 2022 and August 11, 2022
| State | FEMA Disaster Declaration | Counties |
| Kentucky | July 29, 2022 | Breathitt, Clay, Floyd, Knott, Lee, Leslie, Letcher, Magoffin, Martin, Owsley, Perry, Pike and Whitley |
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 – 8/11/22. |
| FHA Streamline | No | Not applicable |
| VA Full Doc and IRRRL | Yes | If the loan was not closed (signed) prior to the Declaration Date of 07/29/22. |
| USDA Full Doc and Streamline Assist | Yes | If the original appraisal inspection date was prior to the Incident Period End Date – 8/11/22. |
| Conventional* and Non-Agency | Yes | If the original appraisal inspection date was prior to the Incident Period End Date – 8/11/22. |
*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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