AmeriHome Mortgage won't recognize my insurance

[Matthew Defore]

I have a condo that is mortgaged through AmeriHome Mortgage as of two months ago.  I purchased full dwelling coverage for this unit through a large reputable insurance company. Last month, I received a letter from AmeriHome, stating that my insurance is not satisfactory and they will be providing their own expensive insurance if I do not correct the issue.

I called customer service and they advised that the problem is that I have a condo, but I have not provided proof of "blanket coverage" from the condo association.  I explained that my condo unit is a detached, freestanding dwelling and it has no shared walls or roofs, therefore there is no blanket coverage from the association.  They made a note, and asked me to allow 48 hours for review.

I called back a few days later, and I got the same endless circle of demands, that I need proof of blanket coverage.  I re-submitted my policy along with a letter from my insurance agent explaining the situation.  Please allow 48 hours for review.

I called back. Same problem. So I sent the HOA docs, which explains the insurance responsibilities. I asked to speak to the person who is in charge of making this decision and I was told that they don't communicate directly with the insurance review team, they only leave notes for them. Please allow 48 hours for review.

I am calling back Thursday and I fully expect to get the run-around again.  How would you get through this issue before they purchase their own expensive plan?  I am starting to get a tad frustrated. 

[Chris Mason]

Lawyer time.

If you really want to try it yourself, try 

https://www.consumerfinance.gov/ask-cfpb/what-is-a-qualified-written-request-qwr-en-207/

or

https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-request-information-about-my-mortgage-en-1855/

But don't use any of the online templates for a QWR. Most of the online templates are "sea lawyer" junk and ask for a bunch of irrelevant stuff that allows the loan servicer off the hook because the templates are "frivolous" in nature.

But, really, it's lawyer time.

[Mike Chern]

Most condo have insurance through HOA, even your unit is detached. Unless you pay lower HOA due than you attached neighbors. This is quite unusual.