Insurance lapse, leading to up to $10K out of pocket repairs?

[Ting Lai]

Some unexpected situation occurred this week in one of my rental properties in Tucson, AZ.

I was about to file a claim for the house restoration (leaking / flooding issues) only to discover I had a lapse on my home owner insurance. This is due to a "missing signature" on the policy, according to my home insurance broker. 

However, things did not sound right.. because:

7/2: I received full landlord insurance policy via email --> can this happen with a missing signature? 

7/12: I closed the property with insurance policy in escrow --> can this happen with a missing signature?

7/20: I received full confirmation of the policy payment from CSE via email --> AGAIN, can this happen with a missing signature?

I have not received any email or notification that my policy was invalid till 8/10. The broker admitted that didn't see the request from the insurance company that they needed another signature, and they didn't inform him as well". As a result, "I need to proceed as if there is no coverage."

Any people had such experience? Any advice of how I can proceed this? 

[Matt K.]

What's your copy of the contract look like, have you verified the missing signature? I'd as for them to show you the problem and cross check it on your executed copy...