QUESTION
Our bank did not pay our Home owners insurance that was in escrow and we were cancelled back in January with out notice. What should we do?
Asked on Oct 25th, 2017 on Insurance - Florida
More details to this question:
The bank said they changed their policy but did not tell us. The sent a check for $1300 with no letter. The check just said "overage" We found out our insurance was cancelled back in January for non payment. We just found this out when we tried to make a claim for roof damage from Hurricane Irma. Bank of America changed their policy without notice. Now we have a damaged roof from a hurricane and no insurance. And I am told that we cannot get insurance till the roof is fixed. I feel there should be some justice here. What type of lawyer should I contact concerning this problem?
1 ANSWER
Consumer Debt Collector Harassment & Abuse Attorney serving Tampa, FL
Partner at
Tischhauser Law Group
2 Awards
Probably a consumer lawyer. This will revolve around whether there were some form of notice provided to you, regardless of whether you read them or not, and the timing of the returned funds. By example if they returned the funds in November 2016, you cashed the check and never bothered to ask why or for what, you will have a more difficult case than, say, they mailed the check in April 2017, after letting coverage lapse with no notice otherwise. You may need to hire a lawyer at an hourly rate to address this at the initial stages to see what occurred and possibly a contingent fee would be available if there is a clear case of wrong doing by the bank.
Answered on Oct 25th, 2017 at 8:07 AM
All responses are NOT to be considered legal advice nor to be relied upon in any as such nor to establish any form of attorney/client relationship. Opinions expressed are solely informational and not a substitute for proper legal advice provided by a properly retained after thoroughly researching the issues presented.