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We are moving to a home that has been vacant for a long time. My mom was paying the insurance through the mortgage company. Then she got a letter saying that the Fire policy is expired, even though she has been paying the mortgage co. all along. The original homeowners insurance co. stopped covering because it was vacant. We are having workers in for plumbing etc. and hope to move in in three weeks. I'm freaking out about not having this insurance. Is this a mistake? Why would the mortgage co. let the fire policy lapse? Any insight or advice?
Call the insurance company yourself; ask to talk to a supervisor about reinstating the policy as people are there working and you'll be there in short order. Sometimes you can prod them into being reasonable. Otherwise find another insurer a.s.a.p. A local company might be amenable to providing coverage in these circumstances.
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