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   Details    ![](https://mail.palmcoastlocal.net/images/BusinessBlog/one-sneaky-trick-your-mortgage-escrow-may-be-doing.jpg)Are you sure your homeowners insurance escrow is being paid on time in Palm Coast? Many Flagler County homeowners discover too late that their mortgage company has missed an insurance escrow payment, leaving their home temporarily uninsured. This important tip helps Palm Coast homeowners verify their insurance escrow payments and avoid costly coverage gaps.

Amidst the turbulence in Florida's insurance industry, we've come across a crucial aspect that demands your attention when your homeowners' insurance policy approaches renewal, particularly if you make escrow payments through your mortgage company or loan servicing company.

When your homeowners' insurance policy approaches renewal, particularly if you make escrow payments through your mortgage company or loan servicing company here is one tip that you'll be glad you know.

Let's be clear that not all mortgage and loan servicing companies engage in this risky practice, but it is essential to highlight that some are taking significant advantage. This practice needs to be addressed and should not be an accepted practice.

If your insurance payment is held in escrow, and your mortgage or loan servicing company is responsible for making the annual payment, it is advisable to adopt the practice every year to begin checking that that payment has been made before the due date.

Mortgage or loan service companies are aware that most insurance companies provide a 7-day grace period to reinstate homeowners' policies while some offer a longer grace period. However, it is crucial to understand that during this grace period, you are not covered as the policy was canceled at midnight the next day.

Let's reiterate this critical point. The grace period does not provide coverage, leaving you without homeowners insurance until the underwriters agree to reinstate the policy. During this time, your homeowners insurance company can choose to deny reinstatement, although in most cases they will likely reinstate the policy. Nevertheless, considering the volatility of the insurance market in Florida, taking such a high risk at the expense of homeowners is truly outrageous. It is essential to address this issue and ensure better protection for homeowners.

***It is essential to stay vigilant and address this issue to protect your homeowners' insurance coverage adequately.***

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Take a moment to check the renewal date of your homeowners' insurance policy and mark it on your calendar 30 days before it's due. Then, start checking with your mortgage or loan servicing company to ensure the payment has been made on time. If the deadline is approaching, with two weeks left without payment, it might be wise to start calling to inquire about the status. When they know you are paying attention, they are more likely to make the payment on time. Being proactive can help ensure your policy remains in good standing.

If you find yourself in this situation, it is crucial to seek advice from your insurance agent, as they can offer the best guidance on how to handle the issue. They may recommend not relying solely on the escrow payment and making the insurance payment immediately. You can then request a reimbursement check from the mortgage or loan servicing company for the payment they were supposed to make.

Additionally, it's essential to report this matter to the Florida Office of Attorney General. Remember that you have a contract with your mortgage company, and if they fail to make the homeowners' insurance payment on time, they could be held responsible if any issues arise. Taking action promptly and involving yourself and your insurance agent or agency can help resolve the matter and protect your investment

Office of Attorney General Number: TOLL FREE: 1-866-9-NO-SCAM

Website: <https://www.myfloridalegal.com/how-to-contact-us/file-a-complaint>

This article is not insurance, mortgage or legal advise and you should seek out the appropriate professional for any advise or counsel.

  Created: 02 August 2023  - [ finance ](https://mail.palmcoastlocal.net/component/tags/tag/finance)
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