Disaster Inspections

When FEMA Declares, the Clock Starts on Every Loan in the Area

125 disaster declarations a year in the US, on average.

Every declared disaster puts the loans in its footprint on hold until someone confirms the collateral is still sound. When FEMA designates a Presidentially-Declared Major Disaster Area eligible for Individual Assistance, Opteon's inspectors document each property's condition against the pre-disaster appraisal and deliver an independent, compliant report. Loans in process can move forward, and loans on the books can be accurately risk-rated.

Not sure if a property falls inside a declared area? FEMA keeps a public list of current declarations by state and county. Our team can help confirm whether an address is affected and which inspection format your investor requires before you order.

Based on the most recent five full years of FEMA data. Source: USAFacts

What You Get

Inspections timed to FEMA's official incident-end date, so results hold up to investor review
Exterior-only or full interior/exterior scope, matched to what your investor requires
Photo-documented findings against the pre-disaster appraisal, plus a repair estimate where damage is found
Reports formatted to GSE, FHA, and VA disaster inspection requirements
Surge capacity from Opteon's staff and panel network when a single event affects thousands of properties at once

Built for the Days Right After a Declared Disaster

A single hurricane or wildfire can put thousands of properties in question within days, and each needs an answer before closing, funding or a servicing decision can move forward. Opteon monitors FEMA declarations as they're issued, then mobilizes inspectors across the affected area once the incident-end date makes an inspection valid. Most assignments start as an exterior-only check of roof, siding, foundation, windows and grounds, with an interior inspection added if anything visible suggests damage may extend inside.

If an inspection finds damage, the report includes a repair estimate and can point you to next steps, including whether a fuller review or full appraisal makes sense.

Whether you're clearing a loan in process, meeting an investor's disaster-area requirement before purchase or checking collateral across a servicing portfolio, our process supports:

Coverage that scales to the footprint of the declared area, not a fixed territory

Automated quality checks before a report reaches you

Reporting formatted for GSE, FHA, VA, and private investor review

Full visibility into order status, from request to completion

Photo evidence tied to every area of the property inspected

Clear "damaged / not damaged" findings, with repair estimates when needed

Fast turnaround so closings and fundings aren't left waiting on the queue

Ready When FEMA Declares

We track declarations as they're issued and time inspections to the incident-end date, so your report holds up to investor review.

A Single Point of Contact

A dedicated client experience manager stays with your account, so you're never explaining your portfolio from scratch.

Jaro-Powered Reporting

Photos, notes and damage findings move from the field to your inbox in a consistent, review-ready format.

Surge Capacity Across the Declared Area

200+ staff appraisers, a 16,000+ panel and trusted third-party inspection partners let us scale to the footprint of an event when thousands of properties need answers at once.