Home Insurance

[skyoumans]

I got a bill today from the insurance company for my homeowner’s insurance. Insurance is included in my escrow payment for the house. Should the trustee be paying this? They say I owe over $1000 by 9/1.

[justbroke]

Is that bill only a courtesy copy? Sometimes they send that to the "escrow" address for the lender and will send a copy to the owner as well. If it's in escrow you may need to contact the insurer and inform them of the creditor and the escrow contact for your creditor.

[skyoumans]

justbroke

Oh, I see it looks like a courtesy notice. If there is no money in the escrow account then do I have to call them and let them know I’m in BK?

[sophieanne]

Is your trustee paying your mortgage? Whether or not, they should know you’re in a bk. Are you able to contact your attorney for advice?

[skyoumans]

Yes, the trustee is paying and I have emailed them. They said to call the mortgage company and make sure there still paying them. I just don’t want them to cut off my insurance if no one pays them since the trustee hasn’t started paying the mortgage yet.

[sophieanne]

I’m glad you got a response...I hope the mortgage company gives you the update you need.