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Announcement 22-0027: Updated FEMA Disaster Declaration for Florida - Hurricane Ian

October 12, 2022

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 Brevard, Charlotte, Collier, DeSoto, Flagler, Hardee, Hendry, Highlands, Hillsborough, Lake, Lee, Manatee, Monroe, Okeechobee, Orange, Osceola, Palm Beach, 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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