Insurer never gave me a policy after closing

[Francesca C.]

I’m beyond frustrated. I bought a house in 2022 and my broker helped find an insurer. Closing went well and I had no reason to believe I wasn’t insured until… my mortgage company a year later said they couldn’t find my policy and I needed to prove I was insured or else face HEFTY fees. I call the agent listed on my insurance document and they said they never went through with insuring me and never cashed the check that was mailed to them at closing… I’m in shock and still trying to get a reason why. Who is to blame here and how can I get around paying exorbitant fees to my lender?