source:
  type: guide
  id: hud-4000-1-iv-a-claim-filing-deadline
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part IV — a. Claim
    Filing Deadline (05/09/2022)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part IV — a. Claim
    Filing Deadline (05/09/2022).
  coverage_tier: operative
obligations:
- id: hud-4000-1-iv-a-claim-filing-deadline-full
  canonical_id: hud-4000-1-iv-a-claim-filing-deadline-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part IV — a. Claim Filing
    Deadline (05/09/2022)
  type: do
  tags:
  - regulator-direct
  - fha
  - hud-handbook
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: FHA Single Family Housing Policy Handbook 4000.1, Part IV — a. Claim
      Filing Deadline (05/09/2022)
    source_class: hud-handbook
    source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000-1
    snapshot_id: 8c03836f77f317e1
    fetched_at: '2026-05-23T00:28:40Z'
    content_hash: sha256:411430f29b13f9b54a2ebb0e6f6e7087ecd2b90d0da22eb0c8c792eaa2d7d0df
    paragraph_quote: 'a. Claim Filing Deadline (05/09/2022) A property improvement
      claim must be filed no later than nine months after the date of Default. The
      date of Default for filing a claim is 30 Days after the oldest unpaid Loan Payment.
      Exceptions to the claim filing deadline include: • a bankruptcy filing or any
      other litigation related to the Loan, if initiated prior to the end of the claim
      filing deadline. The claim must be filed within three months of the end of the
      litigation; • management control of the Lender is assumed by a federal or state
      agency; • the Borrower experiences a financial hardship directly attributable
      to a major disaster declared by the President; • the Lender can show clear evidence
      the delay in claim filing was in the interest of HUD; and • a Borrower is in
      “military service” as defined in the most recent available SCRA, as adopted
      by HUD. Any period of military service after the date of Default is excluded
      in computing the maximum time period for filing an insurance claim.'
  judgment: false
