Overview
Due to Hurricane Ian in Florida, FEMA has declared the following counties a disaster. Updated counties are listed in bold.
Incident Period: September 23, 2022 and continuing
| State | FEMA Disaster Declaration | Counties |
| Florida | September 29, 2022 | Charlotte, Collier, DeSoto, Flagler, Hardee, Highlands, Hillsborough, Lake, Lee, Manatee, Orange, Osceola, Pinellas, Polk, Putnam, Sarasota, Seminole, St. Johns and Volusia |
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 09/29/22. |
| 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**. |
*If an appraisal was not required due to a property inspection waiver (PIW), an inspection report will still be required.
**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.
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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