Insurance question doing a Subject TO

[Kris Haskins]

Hey BP, I've done many sub to's but this time one of my owner's is deceased, and the 2nd living owner is incapacitated. The Son of the 2 owners is selling the house using his Power of attorney for the mother. Hence I have no direct communication with the real owner. What is the best way to tackle the insurance situation as the current policy is in the 2 owner's names?