Hello. I'm sorry to hear about this problem that you are having. I think the paralegal is so used to closings where a mortgage lender is involved that she is forgetting that the reason that HO insurance must be in effect on the day of closing is the lenders require it. . But in a cash sale, that is not the case, and this will have to be explained to her by her superiors. You should be able to close whenever you wish, with or without insurance in effect at the time.
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