FHA does not have specific required documentation mandated to be utilized to attest to the damage of the borrower’s previous residence in the disaster area. The lender must determine that the borrower’s previous residence was destroyed or damaged to such an extent that reconstruction or replacement is necessary. A lender may utilize third parties such as a professionally and/or appropriately licensed, bonded, registered engineer, or home inspector or tradesperson (as applicable), to provide documentation on the extent of the damage to the property to assist the lender in making such a determination.
HUD Policy Determination; and
Handbook 4000.1 II.A.8.(b) is available at https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh