source:
  type: guide
  id: hud-4000-1-iv-b-standard
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part IV — b. Standard
    (04/18/2023)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part IV — b. Standard
    (04/18/2023).
  coverage_tier: operative
obligations:
- id: hud-4000-1-iv-b-standard-full
  canonical_id: hud-4000-1-iv-b-standard-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part IV — b. Standard
    (04/18/2023)
  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 — b. Standard
      (04/18/2023)
    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: b. Standard (04/18/2023) HUD or its agent may conduct a post-claim
      review at any time within three years after the claim is paid. This time frame
      does not apply to or limit enforcement reviews. If the Mortgagee is notified
      within the three-year period that its claims will be reviewed by HUD or its
      agent, all claim files must be maintained until completion and final settlement
      of the review. The Mortgagee must be able to show support for all information
      entered on the application for insurance benefits. When filing a claim, the
      Mortgagee is responsible for the completeness and accuracy of the claim submission
      and for any overpayments identified on claims by HUD. If a question arises regarding
      the support of an amount reimbursed on an insurance claim, the burden of proof
      is on the Mortgagee to show that the amount is valid and reasonable.
  judgment: false
