Thursday, August 16, 2007

No More Fight!

I was thinking the other day about one of the best things about being married is having a partner.

We have been having an ongoing problem with our mortgage company regarding our need for flood insurance. Our home is in a flood plain (we knew that) which was recently reclassified to require flood insurance. After a nasty note from our mortgage company, we started shopping around for the extremely expensive insurance. I found a good rate through the company that does our auto policy. Knowing that it would be a huge amount of money, I called the mortgage company to see exactly when the policy needed to be in place. I was told 45 days from the last correspondence, plus an additional 45 days after that period. Well, we were on our way to Boston for vacation, so I decided to hold off the purchase until we came home. I even left a note on my calendar to call the insurance company. A day before I was to make the call, the mortgage company sent a note saying that since we had not procured the flood insurance, we were automatically having the insurance added to our mortgage at their rate - about 3 times the rate I had. Well, I called to buy my insurance, then found out that they could no longer waive the 30 day waiting period since I now had "forced placed" insurance. Anyway, Bill and I were both furious and decided to fight the mortgage company.

Let me tell you, it is a pain in the you-know-where to try to fight those people. First, you get the automated answering service, then you get a person who does not want to help you and tries to send you to someone else. You get the wrong fax number to send your complaint letter, then no one follows up with you. I had decided I would never win, so I gave up. Luckily, I have a wonderful husband who is more than willing to fight injustice. He took up the fight this week, and I really think something might get accomplished. I am glad he is my partner because I have no more fight in me.


Ely said...

ehm.. I was surfing the net.. and I found your blog.. and your photo catch me.. so similar to mine!!!

:) hi!!

Melanie said...

Sorry you are going through that. I hope your hubby can find some resolution. I will keep my fingers crossed for you. :)