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.    
The damage inspection report must be completed by an FHA Roster Appraiser even if the inspection shows no damage to the Property, and the report must be dated after the Incident Period (as defined by the Federal Emergency Management Agency - FEMA) or 14 Days from the Incident Period start date, whichever is earlier. If the effective date of the appraisal is on or after the date required above for an inspection, a separate damage inspection report is not necessary.
More information and guidance for Mortgages pending closing and/or endorsement,  and pre-closing appraisal validity in PDMDAs is available in Handbook 4000.1.
For additional information see Handbook 4000.1 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