Coverage or tax deadline approaching? Contact the insurer, tax authority, and servicer promptly. This checklist organizes the conversation but does not extend a deadline or replace professional advice.
What happened?
Select the closest issue. Do not enter your name, address, policy number, or loan number here.
Act today
Force-placed insurance notice or charge
Confirm whether your own homeowners policy is active and send acceptable proof through the servicer's required channel immediately.
Contact
- Your homeowners insurance carrier
- Your mortgage servicer's insurance department
Gather these documents
- Force-placed insurance notice and envelope or electronic delivery date
- Current declarations page or evidence of insurance
- Premium payment receipt or policy-status confirmation
- Mortgage statement showing the charge
- Any earlier proof-of-insurance confirmation
Questions to ask
- What exact coverage dates does the servicer believe were missing?
- Which proof document and delivery channel will satisfy the request?
- When will the charge be reviewed and, if appropriate, reversed?
- Will the escrow analysis be rerun after the correction?
Use the servicer's secure upload or authenticated message center for documents. Avoid sending account numbers, Social Security numbers, or unredacted statements through ordinary email.
Keep a simple contact log
Record the date, department, representative, confirmation number, requested documents, promised response date, and delivery method. Keep copies of what you send and confirmation that the servicer received it.