Updated FEMA Disaster Declaration for Florida - Hurricane Helene
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 your Account Executive or Account Manager with any questions.
Carrington thanks you for your business.