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CalAttorney2, Lawyer
Category: Real Estate Law
Satisfied Customers: 10244
Experience:  I am a civil litigation attorney with experience representing HOAs, homeowners, businesses and others in real estate matters.
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My homeowners insurance is paid thru my mortgage company.

Customer Question

My homeowners insurance is paid thru my mortgage company. I am late on my payment. I need to file a claim. There have been several days of rain. My roof has fallen in, will I be covered?
Submitted: 2 years ago.
Category: Real Estate Law
Customer: replied 2 years ago.
Customer: replied 2 years ago.
I am late on my mortgage payment.
Expert:  CalAttorney2 replied 2 years ago.
Dear Customer, thank you for using our service. I would like to assist you today. Responses may have a short delay for review and research.
It really depends on your policy.
In most cases, your policy will still be in place even if there are a few late payments (most insurance premiums are paid in advance, so for example, you pay 6 months worth of payments and the mortgage company makes a lump sum premium payment for half a year's coverage to your carrier).
You can contact the insurance carrier to check the status of your policy prior to making your claim.