Thanks -- I never thought of this! I looked on our mortgage papers from Citizens First and we do have taxes and hazard? insurance escrowed! I knew the taxes were escrowed, but did not think of the insurance, especially since they sent me a bill, a notice of intent to cancel, a cancellation rescission notice, and yesterday a return of premium check. The amount of the hazard insurance is about the same. We are hoping this is the case, every month taxes and insurance are escrowed. We should have called as soon as we got these notices, but we kept thinking they would straighten this out. The memo on the check simply says "return premium for Account ...... Not very good communication!
This definitely points out the need for the 24/7 contact info. Thank you so much for your help. This is so stressful to think that your property is not insured -- the subject does make me very nervous. Thanks again.
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