Insurance claim questions

[Paul Farley]

Hi everyone,

My mother passed away last May and since then I have been living in the home. I am paying her mortgage and am going through the Probate process right now. The house will be transferred to my name. I have questions regarding an insurance claim I want to file.

Within the mortage's Escrow account I pay taxes and home insurance as part of the mortgage. When the house transfers to my name, am I able to make an insurance claim if I am not on the mortgage? The mortgage is a second mortgage with not very much left to be paid.

Do I have to get own home owners insurance to file a claim?

Could anyone provide me with any insight in this matter? If you need any more information, please ask.

Thanks!