AmeriHome Mortgage won't recognize my insurance
I have a condo that is mortgaged through AmeriHome Mortgage as of two months ago. I purchased full dwelling coverage for this unit through a large reputable insurance company. Last month, I received a letter from AmeriHome, stating that my insurance is not satisfactory and they will be providing their own expensive insurance if I do not correct the issue.
I called customer service and they advised that the problem is that I have a condo, but I have not provided proof of "blanket coverage" from the condo association. I explained that my condo unit is a detached, freestanding dwelling and it has no shared walls or roofs, therefore there is no blanket coverage from the association. They made a note, and asked me to allow 48 hours for review.
I called back a few days later, and I got the same endless circle of demands, that I need proof of blanket coverage. I re-submitted my policy along with a letter from my insurance agent explaining the situation. Please allow 48 hours for review.
I called back. Same problem. So I sent the HOA docs, which explains the insurance responsibilities. I asked to speak to the person who is in charge of making this decision and I was told that they don't communicate directly with the insurance review team, they only leave notes for them. Please allow 48 hours for review.
I am calling back Thursday and I fully expect to get the run-around again. How would you get through this issue before they purchase their own expensive plan? I am starting to get a tad frustrated.