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California Wildfires (DR-4407)

On December 3rd, 2018 the Federal Emergency Management Agency (FEMA) issued an end date of November 25th, 2018 for the California Wildfires Major Disaster Declaration (DR-4407).

Requirements for Properties in Disaster Areas

Conforming loans with an appraisal
If the appraisal is dated on or before Disaster End Date Then a disaster area inspection report (CDAIR) is required or a 1004D
If the appraisal is dated after Disaster Incident End Date Then appraisal must address the recent natural disaster
VA with Appraisal
If the appraisal is dated on or before Disaster End Date Then a disaster area inspection report (CDAIR) is required or a 1004D
If the appraisal is dated after Disaster Incident End Date Then appraisal must address the recent natural disaster
FHA loans with Appraisal
If the appraisal is dated on or before Disaster End/HUD Waiver Date Then a disaster area inspection report (CDAIR) is required or a 1004D by the original FHA appraiser with interior/exterior photos is required (However, if the original Appraiser is not available, another FHA Roster Appraiser in good standing with geographic competence in the affected market may be used). HUD will not allow any re-inspections to be completed until after FEMA/HUD declares an Incident End Date.
If the appraisal is dated after Disaster Incident End/HUD Waiver Date Then appraisal must address the recent natural disaster
Jumbo/Non-Conforming with Appraisal
If the appraisal is dated on or before Disaster End/HUD Waiver Date Then a disaster area inspection report (CDAIR) including interior and exterior photos is required or a 1004D
If the appraisal is dated after Disaster Incident End Date Then appraisal must address the recent natural disaster
Conforming loans without an Appraisal
If Conforming Loan with Property Inspection Waiver (PIW) Then a full appraisal is required
FHA Streamlines and VA IRRRLS
FHA Streamlines and VA IRRRL require CDAIR or a 1004D with interior/exterior photos

Note: In the event that significant damage is shown on the 1004D or CDAIR, additional conditions may be required.