Is a property inspection required if an appraisal was performed after the FEMA Incident start date?

All Properties with pending Mortgages or endorsements in areas under a Presidentially-Declared Major Disaster Area (PDMDA) designated for individual assistance must have a damage inspection report that identifies and quantifies any dwelling damage. 

More information and guidance for Mortgages Pending Closing, Mortgages Pending Endorsement, and Pre-Closing Appraisal Validity in Disaster Areas is available in Handbook 4000.1.

For additional information see Handbook 4000.1, Section II.A.7.c. available at:

For information on FEMA Disaster Declarations visit: 

All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.

Topic Number: KA-04162