expired home insurance

[delray1]

our home owners ins. company dropped us in july ,through no fault of our own , 4 months later our mortgage company [chase] offered us insurance witch i did not accept at that time . a month later they said we owe them for insurance they opened for us ,without our consent or any legal signature etc .plus they want to back charge us for the time when we where not covered by anyone and they are adding this to our monthly mortgage bill as an escrow , we have since then bought insurance from a local company , what are my legal options ? this seems like fraud and intimidation.

 

[JustAPal00]

our home owners ins. company dropped us in july ,through no fault of our own , 4 months later our mortgage company [chase] offered us insurance witch i did not accept at that time . a month later they said we owe them for insurance they opened for us ,without our consent or any legal signature etc .plus they want to back charge us for the time when we where not covered by anyone and they are adding this to our monthly mortgage bill as an escrow , we have since then bought insurance from a local company , what are my legal options ? this seems like fraud and intimidation.

Nope! You are required by your mortgage company to have insurance on your home. Since you did not maintain coverage on your own, your mortgage company was forced to get insurance to cover you. You have no choice wether you wanted to accept it or not. You are now obligated to pay for it! Your only other option is to get the State Insurance Commission to force your old insurance company to reinstate your old policy, if you are in fact correct and you were not at all at fault for them dropping you. My guess is you were at fault and you ignored their cancellation letter.

 

[delray1]

expired

no we did not ignore any cancellation notice , here in florida insurance company's dropped customers like hot potatoes ,no notice -except -due to risk management-bye ! , and i disagree ,its one thing ,paying for current coverage ,but another thing paying for coverage the mortgage company was not even aware until 4 months past . pay for insurance you where never had ? i dont think so.

 

[Zigner]

no we did not ignore any cancellation notice , here in florida insurance company's dropped customers like hot potatoes ,no notice -except -due to risk management-bye ! , and i disagree ,its one thing ,paying for current coverage ,but another thing paying for coverage the mortgage company was not even aware until 4 months past . pay for insurance you where never had ? i dont think so.

Yep, that's the way it works. And you even AGREED to it.

And, I'd like to point out that you DID receive notice of cancellation. You just didn't receive an explanation as to WHY. But, you DID receive it and you had time (AND the contractual obligation) to obtain replacement insurance.

 

[moburkes]

Yes, you agreed to this when you signed for your mortgage - go read your paperwork. Also, you did receive a cancellation/expiration notice from your insurance company. You misplaced it, ignored it, etc.

Everything that you've described is legal.