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Jim S | Can my mortgage lender force me to increase my property insurance? |
Live in Florida
Mortgage balance is 224,000
replacement cost for my dwelling is 170,000
Property worth 300,000 including land |
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mbrcatz
 |
Yes and no.
If you can't talk them into accepting the replacement value of your dwelling amount, they can put "forced placement" coverage on your property, and add it to the mortgage payment, and foreclose the house if you don't pay it.
But if you have an agent worth anything, they can attack this and get the mortgage company to agree to accept 100% replacement value. Here's what they need to do: 1. don't talk to the first person who answers the phone - talk to the supervisor. The first person doesn't have the power (or the knowledge) to handle it. 2. make sure your "replacement valuation" is accurate. Get an estimate from a contractor in your area, of what it would cost to rebuild your home. I'd guess about $130 per square foot. 3. Be sure your insurer is confident that your valuation is accurate. Be SURE your policy includes "guaranteed replacement cost" on the dwelling, along with "Ordinance or Law" coverage which should cover INCREASED COSTS to rebuild not just what was there, but what you need to be up to current code. 4. Get your original appraisal, which should break out the value of the land vs. the value of the house. Make sure your mortgage company isn't trying to insure land value.
Again, your agent is used to dealing with people like this, and should be doing this for you. |
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Kathryn D
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Yes, because they are the ones holding the loan.They are going to protect themselves at all costs. |
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Queen B
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yes, they can make you carry the balance of 224000. you cannot insure land, so they can only force you to carry the 224000. call your agent and have them do a new cost replacement estimator to increase coverage to that amount. if you dont increase on your policy they can and will force place and it costs about 3 times as much!! |
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ricks
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yes |
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CJ
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Yes, they can. There has to be enough property ins. to pay off the mortgage in case the property burns to the ground. If your balance on your mortgage is 224,000 then usually your replacemnt cost for your dwelling on your homeowners policy would be 224,001. |
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scooba
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Probably. With the hurricane in your area, there is a scarcity of buildiing materials and the costs have probably gone up to replace your home. In this case they can make you up your coverage.
The value of the land is not insured. Whether you live on half an acre or 1,000 acres it should have no effect on your insurance. |
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susieq ♥'s all 7 words
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They can require the insurance to be the same as the value of the property. So when the value goes up the insurance has to also. |
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