המבול ביטוח המבול ערב טוב לכולם. רציתי לדבר על כישלון כבר עובר במשך 6…

המבול ביטוח המבול

ערב טוב לכולם. רציתי לדבר על כישלון

כבר עובר במשך 6 החודשים האחרונים עם המשכנתא שלי

החברה ואת הדרישה שלהם לביטוח המבול.

אשתי ואני קנינו את הבית שלנו בחזרה ב 2017 ובאותו זמן, שלנו

חברת המשכנתאות המקורית (Union Home Mortgage) לא דורשת מאיתנו

יש ביטוח המבול. תעודת המבול שלנו מ CoreLogic אמר שאנחנו

מדורג כ אזור X, אבל אמר את הדברים הבאים:

המאפיין של הנושא נמצא במבול מיוחד

אזור סכנה. המבנה הקיים, לעומת זאת, אינו מושפע ו

הוא לא במישור. *

בסוף 2018, המשכנתא שלנו נמכרה הבנק השלישי החמישי. אנחנו

קיבל מכתב בסוף ינואר ואמר שאנחנו צריכים לספק

הוכחה של ביטוח המבול כי הם מצאו את הבית שלנו היה באזור A

ואם לא היינו מספקים הוכחת ביטוח הם היו רוכשים

מדיניות בשמנו. התקשרתי לשירות הלקוחות ואחרי

מסביר את המצב ואומר שיש לי מבול

Flood Insurance Debacle

Good evening everyone. I wanted to talk about a debacle I’ve

been going through for the past 6 months or so with my Mortgage

company and their requirement for flood insurance.

​

My wife and I bought our house back in 2017 and at the time, our

original mortgage company (Union Home Mortgage) did not require us

to have flood insurance. Our flood cert from CoreLogic said we were

rated as Zone X, but did say the following:

​

The subject property IS PARTIALLY WITHIN a Special Flood

Hazard Area. The existing STRUCTURE, however, is not affected and

is not in the floodplain.*

​

In late 2018, our mortgage was sold to Fifth Third Bank. We

received a letter in late January saying that we needed to provide

proof of flood insurance because they found our house was in Zone A

and if we didn’t provide proof of insurance they would purchase a

policy on our behalf. I called into customer service and after

explaining the situation and saying I had a flood certificate from

the original mortgage holder saying I was zone X, they said to

email it to them. This company is also one that will never call you

back. It is always 15-25 days later I will receive a letter.

​

So, 20 days later I get a letter saying that the documentation I

provided was not sufficient and their vendor found me to be in Zone

A. I called back in pretty irritated and after arguing with the rep

for 20 minutes, they pretty much said the only way the requirement

would be removed is if I provided a LOMA form from FEMA.

​

I complained enough that the issue got escalated to 5/3’s office

of the president. In the meantime, 5/3 purchased a flood policy on

my behalf for $2,500 a year, which raised my mortgage around $300 a

month. After waiting around 40 days, I received a letter saying

that after having their vendor recheck everything, they are

sticking by their original assessment. They then proceed to tell me

that they are requiring the flood insurance since my house might

“slide into the flood zone”. To me this is completely ridiculous.

At this point without knowing what else to do, I contact my State

Farm agent who I have my HOI through to get a quote on flood

insurance. I end up getting a quote back from them for only $500 a

year since they found since the house is in Zone X I was able to

get a preferred rate from FEMA. My agent even talked to a FEMA rep

and this person asked why were getting flood insurance since its

not required. The FEMA person even said they would get on a 3 way

call with a rep from the bank to try and explain.

​

I called the office of the president back and re-opened the

case. I provided all of this info including the fact the FEMA rep

would get on a phone call. 15 days later I get a letter saying they

are still sticking by their determination. Around this same time, I

also get a letter saying that they can’t accept the flood policy I

purchased from State Farm/NFIP since the policy says “Zone X” and

there is a discrepancy since on their side they show Zone A. I

called back and blew up on them. They told me they wouldn’t get on

a 3 way call since it wouldn’t change their mind and plus that

department doesn’t talk to customers. They said the only way they

would reverse their decision was if I provided a LOMA showing I’m

not in a flood zone or some other kind of documentation from FEMA

saying why they can’t provide a flood policy for me showing Zone A

instead of X. I was resigned to the fact that for $500 a year,

having a flood policy isn’t that big of a deal…but now they

aren’t even going to let me do that? I am beyond frustrated. I have

never dealt with a company like 5/3 Bank.

​

I think at this point I want to focus on somehow trying to get

the bank to accept the cheaper flood policy, or somehow getting a

letter from FEMA saying why the policy is zone X. At this point how

could I even get a policy showing Zone A when it was determined the

policy was based on X? I don’t get it.

​

Has anyone else been through something like this or have any

suggestions? I need to do something soon or I’m sure the bank will

force place another policy on me.

submitted by /u/dgh19811

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Sun, 23 Jun 2019 07:57:57 +0000

קבוצות דיון נדלן מארצות הברית – פוסט מתורגם אוטומטית 2 – גרסא עברית

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www.facebook.com/groups/ForumNadlanUSA
——————————————————————

Flood Insurance Debacle

Good evening everyone. I wanted to talk about a debacle I’ve been going through for the past 6 months or so with my Mortgage company and their…

קישור לפוסט המקורי בפורום נדל”ן ארצות הברית בפייסבוק – חדשות נדל”ן – עובד במחשב שולחני (לצפייה בפוסט יש להיות חברים שאושרו לפורום)

את התגובות המקוריות לפוסט ניתן לקרוא בתחתית דף הפוסט הנוכחי באתר או בקישור לפוסט בפייסבוק וכמובן שאתם מוזמנים להצטרף לדיון