Insurance Question as note holder

[James LaRocque]

Hi All,

I received an email from my servicer the other day saying that my borrower would like to file an insurance claim for a leaky roof. This brought many questions to mind real quick. In further discussion with my servicer, the borrower appears to be under the impression that I had placed insurance on the property, which I never have.

Looking through my records from the purchase/due diligence I have a copy of a "Homeowners Policy" in the borrower's name and address. I can also previous lender/servicer was collecting insurance payment through escrow, would this be indicative of placed insurance? I've never used placed insurance so not sure.  I don't however, have anything actually saying that the previous lender actually took out the policy.

I feel like this might be a big deal, but I'm a newbie so please go easy on me.

Thanks.

James