Disaster policy

Last updated: October 5, 2026

CURRENT RULE

FEMA DR-4945 (Ohio, Aug 2026 storms): 7 counties declared. Per lender policy (Averra), appraisals dated on or before Aug 22, 2026 on properties in the affected counties require re-inspection. Policy runs through Jan 30, 2027. California law (effective Jan 1, 2027): AB 1842 creates a statewide disaster forbearance framework. AB 1847 extends LA wildfire forbearance to 24 months.

“

Your area was declared a disaster zone, so the lender needs a fresh look at the property before we close. It’s a quick re-inspection, not a new appraisal.

DON’T MESS UP

Check FEMA declarations for every file at application and again before closing. New declarations happen constantly.
Re-inspection rules vary by lender. Ask before you schedule.
For California borrowers affected by disasters, forbearance options expand Jan 1, 2027 under AB 1842 and AB 1847.

OFFICIAL SOURCES

FEMA disaster declarations
California AB 1842 · AB 1847

Part of the GTG LO Library. Confirm the current rule with your lender before quoting.