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| disaster inspection report, disaster certification, report, fema, 1004d, dair, cdair, form, mary cummins, real estate, uad, los angeles, california, wildfire, flood, hurricane, earthquake, tornado, appraisal update and/or completion report, catastrophic disaster area inspection report, disaster area inspection report |
After every natural disaster such as wildfire, hurricane, flood, tornado, earthquake ... homes that are in the process of getting a loan must be reinspected if they are anywhere near the disaster area. The purpose is to make sure the homes still exist and were not damaged, destroyed or affected by the natural disaster.
Appraisers can use the DAIR (Disaster Area Inspection Report), CDAIR (Catastrophic Disaster Area Inspection Report) or the 1004D form report. Some clients insist on the1004D form report i.e. "Appraisal Update and/or Completion Report" (Fannie Mae 1004D, Freddie Mac 442). Filling it out normally is pretty straight forward. Sometimes the original appraiser is too busy to reinspect the property. In that situation another appraiser is hired to inspect the property. They generally charge $150 or so to inspect the property.
Below is a sample disaster inspection report, certification report that I have used when they insist on this form and when I'm not the original appraiser. I use the basic 1004D form then add an addendum, CDAIR form, photos (generally only front and street though they may request interior), copy of my license and my insurance.
https://drive.google.com/file/d/1vKETg6rL-UikriWlrNAy6UIKofiiSfAu/view?usp=sharing
Below is the actual text I put in the first page of the form in the Summary Appraisal Update Report" section.
"Post Disaster Inspection Report. Current appraiser has no knowledge of previous appraisal. See attached Property Condition Report and photo page for observed information about the property."
Below is the actual text I put in the first page of the form in the "Certificate of Completion" section. Don't check either box because neither apply. The important text is on the next page.
"This section does not apply. See addendum."
Below is sample text I add in the addendum. All of this is in the form above.
"1004D Disaster Certification
Property Condition Report
FEMA Declaration
California Bobcat Fire (FM-5374-CA) PA-B PA-H Los Angeles County
https://www.fema.gov/disaster/5374
https://inciweb.nwcg.gov/incident/7152/
Appraiser inspected subject property (date) at 12:00 pm. Subject is over 15 miles south west of the location of the Bobcat fire. The location of the Bobcat fire was 34° 14' 27.6? N, 117° 52' 4.8? W. The Bobcat fire started September 6, 2020 and was fully contained December 18, 2020. Subject structure, neighborhood, supporting facilities, transportation systems were not affected in any way by the Bobcat fire."
You can also use the CDAIR form by itself which is made specifically for disaster inspections. Here are the CDAIR and DAIR forms in one file. The CDAIR is three pages and DAIR is one page. Use one or the other. If the client insists on the 1004D form, you can add the CDAIR or DAIR to the 1004D. You could even do the report on a blank piece of paper if you add the proper text and data needed. The forms make it much easier and standardized for underwriters, lenders and others to view.
https://drive.google.com/file/d/1Wz8sJV3JQpTKQTO-ZT_F5VnWUkH7IW2a/view?usp=sharing
Here's a jpg of the first page.
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| disaster inspection report, disaster certification, report, fema, 1004d, dair, cdair, form, mary cummins, real estate, uad, los angeles, california, wildfire, flood, hurricane, earthquake, tornado, appraisal update and/or completion report, catastrophic disaster area inspection report, disaster area inspection report |
Second page is photos. Here is the third page.
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| disaster inspection report, disaster certification, report, fema, 1004d, dair, cdair, form, mary cummins, real estate, uad, los angeles, california, wildfire, flood, hurricane, earthquake, tornado, appraisal update and/or completion report, catastrophic disaster area inspection report, disaster area inspection report |
Here is the one page DAIR report.
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| disaster inspection report, disaster certification, report, fema, 1004d, dair, cdair, form, mary cummins, real estate, uad, los angeles, california, wildfire, flood, hurricane, earthquake, tornado, appraisal update and/or completion report, catastrophic disaster area inspection report, disaster area inspection report |
Obviously if the home has been damaged, destroyed or negatively affected, don't order the report because it won't pass and you'll waste $150. You'll need to repair the property first if possible. Sometimes your property may be okay but the streets, power, supporting facilities such as transportation, government service buildings, gas stations ... were wiped out. You won't pass the inspection because the home can't really be lived in at the moment. You will have to wait until the home and neighborhood is fully functional before you can sell or refinance your home.
Mary Cummins of Cummins Real Estate is a certified residential licensed appraiser in Los Angeles, California. Mary Cummins is licensed by the California Bureau of Real Estate appraisers and has over 35 years of experience.
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