Overview
Due to Hurricane Helene in Florida, FEMA has declared the following counties a disaster. Updated counties are listed in bold.
Incident Period: September 23, 2024 and continuing
| State | FEMA Disaster Declaration | Counties |
| Florida | 09/28/2024 | Alachua, Baker, Bradford, Charlotte, Citrus, Collier, Columbia, DeSoto, Dixie, Duval, Franklin, Gilchrist, Gulf, Hamilton, Hernando, Hillsborough, Jefferson, Lafayette, Lee, Leon, Levy, Madison, Manatee, Pasco, Pinellas, Putnam, Sarasota, Suwannee, Taylor, Union, and Wakulla |
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 | Yes | If the original appraisal inspection date was prior to the Incident Period End Date – Continuing*. |
| VA IRRRL | Yes | If the loan was not closed (signed) prior to the Incident Period Begin Date – 9/23/2024. |
| USDA Full Doc and Streamline Assist | Yes | If the original appraisal inspection date was prior to the Incident Period End Date – Continuing*. |
| Conventional | Yes | If the original appraisal inspection date was prior to the Incident Period End Date – Continuing*. |
| 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.
Contacts
Please contact CorrespondentRM@carringtonms.com with any questions.
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