1004D then Revision for any damage from Declared Disaster

[Xavier Hargrove]

I recently got asked to complete a 1004D form for a particular item on an FHA appraisal. The original appraisal was subject to the interior flooring being replaced. I was not the original appraiser. I went into the home and checked off this particular item, took pictures, and turned in the 1004D as completed. The AMC later asked in a revision for me to "confirm subject did not sustain any damage as a result of the declared disaster".

My thought process is that I did not complete a full inspection of the home to know for sure, I get from some it may be an easy-to-do item, but how can I comfortably say the home did not sustain any damages if I did not complete a full inspection as the intended use was never to do so but only to verify that the repair item had been fixed. Any thoughts?

 

[Terrel L. Shields]

I was not the original appraiser.

FHA is supposed to require the original appraiser to do the inspection...I do not recommend ever doing a final for someone else's work. But when they do they are supposed to provide you a complete copy of the original report. Did they?

If the Mortgagee uses a different Appraiser to inspect the Property, the Appraiser performing the damage inspection must be provided with a complete copy of the original appraisal.​

But I would tell them they need to call the original appraiser to do such an inspection as it is beyond your pay scale unless they agree to you doing a full inspection and paying well for it.

 

[Xavier Hargrove]

FHA is supposed to require the original appraiser to do the inspection...I do not recommend ever doing a final for someone else's work. But when they do they are supposed to provide you a complete copy of the original report. Did they?

If the Mortgagee uses a different Appraiser to inspect the Property, the Appraiser performing the damage inspection must be provided with a complete copy of the original appraisal.​

But I would tell them they need to call the original appraiser to do such an inspection as it is beyond your pay scale unless they agree to you doing a full inspection and paying well for it.

They provided the original, although I figured an increased fee to do a full inspection for a disaster report.

 

[shrubberyvaluation]

I recently got asked to complete a 1004D form for a particular item on an FHA appraisal. The original appraisal was subject to the interior flooring being replaced. I was not the original appraiser. I went into the home and checked off this particular item, took pictures, and turned in the 1004D as completed. The AMC later asked in a revision for me to "confirm subject did not sustain any damage as a result of the declared disaster".

My thought process is that I did not complete a full inspection of the home to know for sure, I get from some it may be an easy-to-do item, but how can I comfortably say the home did not sustain any damages if I did not complete a full inspection as the intended use was never to do so but only to verify that the repair item had been fixed. Any thoughts?

If it wasn't the scope of work they can pay you to go back.

How do you know if damage was pre or post disaster however?

 

[RustyTapeMeasure]

I recently got asked to complete a 1004D form for a particular item on an FHA appraisal. The original appraisal was subject to the interior flooring being replaced. I was not the original appraiser. I went into the home and checked off this particular item, took pictures, and turned in the 1004D as completed. The AMC later asked in a revision for me to "confirm subject did not sustain any damage as a result of the declared disaster".

My thought process is that I did not complete a full inspection of the home to know for sure, I get from some it may be an easy-to-do item, but how can I comfortably say the home did not sustain any damages if I did not complete a full inspection as the intended use was never to do so but only to verify that the repair item had been fixed. Any thoughts?

Any thoughts ? Yeah, why are you questioning things. The AMC ordered something, you completed it to the scope that they asked for. End of story. Disaster inspection and conditional property confirmation needed ? Order something new with you or the original appraiser. Where is the original appraiser ??? Geez, hold the line, respect you and your profession. IMO, appraisers should not be fully blown God complex Aholes, like some I have known but you/we should not be jello or being Tina Turner via Ike. Respect yourself and be in the middle of my description, do so with conviction especially AMC trash trying to dictate sillyness.

 

[J Grant]

If you feel comfortable with what you observed at the house, and if the surrounding area was not affected, you could simply state no damage was visible, however, the appraiser did not do a damage inspection and is not qualified to state other than that which was observed during the 1004 D visit.

If the surrounding immediate area had flood or other damage, then even in the house looked okay I would not do it becaue it would need an inspeciton buy a prorfssional to see if any hidden damage or mold was present.

 

[RustyTapeMeasure]

If you feel comfortable with what you observed at the house, and if the surrounding area was not affected, you could simply state no damage was visible, however, the appraiser did not do a damage inspection and is not qualified to state other than that which was observed during the 1004 D visit.

If the surrounding immediate area had flood or other damage, then even in the house looked okay I would not do it becaue it would need an inspeciton buy a prorfssional to see if any hidden damage or mold was present.

The OP already told 'you' " I did not complete a full inspection of the home to know for sure," so yeah they are not comfortable with it and declaring the house is "A okay" after the fact, hence why they are posting here for feedback.

 

[J Grant]

The OP already told 'you' " I did not complete a full inspection of the home to know for sure," so yeah they are not comfortable with it and declaring the house is "A okay" after the fact, hence why they are posting here for feedback.

Then why are they asking us the question only they can answer? A "full inspection" means different things to different people - it can mean viewing every room or doing a more detailed FHA-type inspection, turning on appliances, etc.

They clearly feel uncomfortable with the request- they could just say no, or that they need to make a return trip and inspect every room.

 

[Tom D]

Do we ever learn why most of us will never do another appraisers 1004d. The main disaster is from rain and water damage, maybe wind. And you can't tell if that has happened to a house. You got another reinspection. If that nervous, again i ask, have you now learned why we don't wanna do other appraisers 1004d.

 

[sputnam]

You can say something like, "I did not perform a complete inspection of the subject property. My inspection was limited to the items that were specified as 'subject to completion' in the original appraisal report.'