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edawg32 | I only had a wind insurance policy on my home can my lender still force place insurance on my prooperty? |
I recently had a forced place insurance policy put on my home by a lender who aquired my loan from another company. they are telling me that my wind policy is just supplemental and doesnt count as insurance on my property. Is this true? |
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mbrcatz
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You need coverage for wind AND fire, if you check your mortgage documents, and probably flood as well. Probably not just fire, either, but an "all risk" (hate that phrase!) policy. Stuff happens to houses, besides wind, ya know?
Yes, they can do that. You gave them permission when you signed the mortgage documents. |
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Queen B
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yes they can. a wind policy covers just that, wind only. we write these on people who have property at the beach and cannot get wind coverage through their standard carrier. you need to put an actual homeowners policy in force to get the mtg to take off their forced policy. |
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james m
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I had been in the insurance business for 30 years, and had never heard of a wind only policy.
If that is the only peril that the policy covers, yes, the mortgage company can force-place insurance, after giving you the opportunity to purchase a HO policy. If you don't respond within the time alotted, they will insure it to cover their interest, and the cost is high. It would pay you to get your own coverage, but you still have to pay for the time you had virtually no protection.
Whoever the agent was that sold you a policy like that should think about the consequences he /she could face if you had a fire loss, for example, without the proper coverage. This is why we as agents are required to carry errors and ommissions insurance.
The basic HO-1 policy has at least 11 perils that it covers: fire, smoke, lightening, windstorm, hail, vehicles, falling objects, theft, riot and civil commotion, explosion, vandalism and malicious mischief.
A wind-only policy? I don't know about that. |
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src50
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Lenders can definitely force-place insurance to protect their interest. You are being dumb in letting this happen instead of getting your own homeowner's insurance as the force-placed policies are usually much more expensive (and YOU are paying for it). |
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Jack J
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I guess you should check your policy. My home insurance (http://home.my-age.net ) provide full coverage for this without any additional charge. |
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