AWACSMortgage compliance intelligence from Flightline

Carrington Correspondent · Disaster Bulletin FEMA Disaster Declaration - West Virginia (2026-08-10) · Published

Disaster Inspection Requirements for West Virginia Severe Storms

Carrington Correspondent mandates property damage re-inspections for designated West Virginia counties following July 2026 severe storms. Subject properties with appraisals completed prior to July 22, 2026 or unclosed VA streamline refinances require verification of condition.

Action requiredNo effective date statedChecks passed· adjusted automaticallyRead the bulletin ↗ (opens in a new tab)

Loan impact

Summarized from the bulletin · needs review

Applies to: Loans secured by properties in Lewis, Pleasants, Ritchie, and Upshur counties in West Virginia requiring damage re-inspections, excluding FHA streamline refinances.

Applies when all of these are true
  • ANDCarrington loan
  • ANDState is WV
Addressed to
Carrington correspondent sellersFrom the publisher, not quoted from the text
Investor
CarringtonFrom the publisher, not quoted from the text
Affected area
Eligibility
Affected documents
Property inspection report; prior appraisal report
Exceptions
FHA streamline refinances
Applicability confidence
Needs review: some rows could not be matched to a quote from the source

Summary by AWACS. Carrington Correspondent's guide is proprietary, so AWACS does not reproduce its text. Read the official announcement ↗ (opens in a new tab)

What changed

Summarized from the bulletin
RequirementPreviouslyNow
Property re-inspection for loans with appraisals dated before incident conclusionNewRequiredNot statedA property damage re-inspection is mandated when the appraisal was conducted before July 22, 2026.
Property re-inspection for VA interest rate reduction refinance transactionsNewRequiredNot statedA property damage re-inspection is mandated for VA streamline refinances not closed before July 21, 2026.

What to do

AWACS interpretation · not source language

What to review: Review West Virginia pipeline loans in designated counties to confirm property damage re-inspections are secured for appraisals completed before July 22, 2026, and for VA streamline refinances not closed before July 21, 2026.

Underwriting

Require property damage re-inspections on applicable West Virginia properties when appraisals were completed prior to July 22, 2026, and for VA streamline refinances not closed prior to July 21, 2026.

Appraisal

Order property damage re-inspections for properties in the designated West Virginia counties where appraisals were conducted before July 22, 2026, or for unclosed VA streamline refinances.

Closing

Confirm that required property damage re-inspections are present in the loan file before closing on affected West Virginia loans.

QC implications

  • Sample West Virginia loan files with appraisals conducted before July 22, 2026, to ensure mandatory property damage re-inspections were obtained.
  • Check VA streamline refinances not closed before July 21, 2026, to verify property damage re-inspections are documented.

Source and record

Version 2 · archived

Checks

  • Source verified: Passed

    The document ID, link and publication date match the official source.

  • Quotes match the source: Passed

    Every quoted passage appears word for word in the official document.

  • Requirements backed by the source: Passed, adjusted automatically

    Anything marked required is backed by the requirement language and dates in the source.

    • A detail the source does not support was removed or adjusted
    • An independent check could not confirm which loans a change applies to; those conditions were removed

  • In scope: Passed

    The document is about residential mortgage lending.

  • Format and labels: Passed

    The record follows the AWACS format and uses its standard labels.